Do Better than the Colorado State IRA — Get a Ubiquity 401(k)

Flat Fee Structure (end up with $23,621 more money with us over 30 years)¹
Secure 2.0 Tax Credits of up to $16,500² (not available with Colorado state IRA plan)
Choose From 30k Mutual Funds + ETFs + ERISA 3(38) Plans
Plug-n-Play Payroll Integration
Live Customer Support

24 years of experience pioneering 401(k)s

Trust the only small business 401(k) provider ranked #1 in Google reviews.

Call 866.902.5030 or schedule a free consultation with a retirement specialist.

Sole Proprietor

Top 5 Reasons a Ubiquity 401(k) Beats the Colorado State Plan

Qualify for up to $16,500 in tax credits that aren’t available with the state-run IRA
A Ubiquity 401(k) 100% complies with the Colorado state mandate requirements
A Ubiquity 401(k) could help save more in personal and business taxes than the Colorado state plan while lowering taxable income
A Ubiquity 401(k)s plug-n-play payroll integration saves time and prevents stress by integrating payroll and automating plan administration
Transparent, flat fee structure

Secure 2.0 Legislation Tax Credits Cover Your Costs

The passage of Secure 2.0 means there’s never been a better time to open a 401(k) plan for your small business. Combining the new law’s benefits with our affordable, flat fees¹ is a double win for small businesses like yours and your employees.

Three years of tax credits that fully pay for new 401(k) setup and admin fees. Your small business with up to 50 employees can now get a credit of up to 100% of plan expenses (not to exceed $5,000 annually). Over three years, this credit could be worth $15,000!
Automatic enrollment credit of $500 per year to employers whose plans have automatic enrollment. Credit is applied each year for the first three years of the plan. With Secure 2.0, certain plans will be required to have auto-enrollment, and starting in 2025, auto-enrollment will be required universally.
Employer match credit granted to small business employer matching contributions to an employee’s 401(k), up to $1,000 of credit per employee per year.

Qualify for up to $16,500 in tax credits

See how much you can save.

As a small business, you could qualify to earn up to $16,500 in tax credits over a 3-year period by starting a qualified retirement plan with auto-enrollment.

Take advantage of federal tax credits of up to $16,500 that cover the first three years of your small business 401(k) plan with auto-enrollment¹. These credits remove financial barriers and increase confidence and peace of mind for small business owners. Plus, you can qualify for even more tax credits by contributing to your employees' retirement plan!

Do you already have a 401(k) plan that was started before 2019?

Yes No

May not be eligible for start-up credit if plan is more than 3 years old, but may still be eligible for $500 auto-enrollment credit.

How many employees do you have?

Cannot exceed 100 employees to be eligible for credit.

How many non-owner employees were paid less than $150,000 last year?

Please enter a number less than your total employee count.

IRS guidelines require your plan to have at least one plan participant who was a non-highly compensated employee for it to qualify for the credit.

Ubiquity 401(k) Plan

Would you like to learn more about matching tax credits?

Yes No

Calculate

1. Please refer to Important Information for details

When you offer a 401(k) to your employees, you empower them to build a stable future. It's a practical step that brings both financial security and confidence. And tax credits make the first three years cost-free for you.

Year 1

Year 2

Year 3

Total

Ubiquity price before credits

Ubiquity price after credits²

Slide left/right to see full table.

Thousands in Additional Tax Credits Available

Year 1

Year 2

Year 3

Year 4

Year 5

Total

Available $ Per Eligible Employee as a Government Match Credit

Eligible Employees Receiving Employer Matching

Federal Government Matching Tax Credit to Employer

Out of Pocket Employer Contribition Expense (after tax credits)

Slide left/right to see full table.

If you’re willing to put into your plan as employer contributions, the federal government will give you full credit on those contributions¹
After tax credits, the cost for you to get up to into your plan over five years is zero
These contributions can be profit sharing, match, safe harbor and QNEC contributions
If employees leaves beforehand, these profit-sharing matching contributions stay in the plan for owner and/or others

Get started! Call toll free 866.845.5058 today or schedule a call later.

This calculator is for illustration purposes only and should not be construed as tax advice. Users should consult a tax professional regarding specific tax needs, credit availability and amount. For further information please visit the IRS website.

Back to Calculator

1. Please refer to Important Information for details.

2. Start-up tax credit modification: Small employers with 50 or fewer employees may apply 100% of qualified start-up costs toward the tax credit formula (up to $5,000 per year). New tax credit for start-up plans offering employer contributions: A tax credit equal to the applicable percentage of employer contributions, capped at a maximum of $1,000 per employee.

Applicable to small employers with 50 or fewer employees. For employees with 51–100 employees: The credit is phased out by reducing the amount of credit each year 2% for each employee in excess of 50. Applicable Percentage: 1st and 2nd year = 100%, 3rd year = 75%, 4th year = 50%, 5th year = 25%, 6th year = 0%

No contributions may be counted for employees with wages in excess of $100,000 (inflation adjusted). If taking advantage of this tax credit, employer contributions may not also be counted toward “start-up costs” in the start-up tax credit calculation.

Ubiquity is the #1 Ranked 401(k) Provider — Highest Customer Satisfaction in the Industry³

Provider

google logo

Ubiquity

4.3/5^*

4.6/5

4.5/5

You Can Save Up to $23,621 More With a Ubiquity 401(k)

Ubiquity Flat Fee versus 401k Colorado chart
It’s hard to believe, but it’s true. Ubiquity charges only flat fees that don’t cost you more as your retirement savings grows. But with Colorado’s state plan, your fee will get bigger and bigger as your retirement balance grows over the years. Over 30 years, you could end up with over $23,621 more money with us vs. using the CO state plan⁴. The better plan is clear — the Ubiquity 401(k)!

Let’s look at the following example:
Jennifer and Joshua each have retirement plans that they contribute $6,000 to every year. Jennifer’s plan is with Ubiquity Retirement + Savings and her fees are flat $6/month. Joshua’s plan is with SecureSavings and his annual asset based % fee is 0.75%.

It grows an average of 10% every year. At the end of 30 years Jennifer’s account is worth $1,088,436, with fees of $16,146 with her Ubiquity 401(k).

Joshua’s account is only worth $1,064,814, with fees of $27,692. Don’t be like Joshua — keep your money. Ubiquity’s flat fees could help you end up with over $23,621 more money over 30 years vs. CO SecureSavings IRA⁴.

Get a Fast, No-Obligation Quote Today

How much will you pay for 401(k)? Get an instant quote.

How many employees do you have?

I am a sole proprietor
(just me/or my business partner/spouse)

Or schedule a free consultation with a retirement specialist.

How does the Colorado State IRA stack up to our most popular small business retirement plan?

You can either choose the state plan with limited options or you can choose the better plan, the one thousands of your fellow Colorado small business owners have chosen: the Ubiquity 401(k).

State Plan

Ubiquity 401(k)

Maximum employee annual contribution amount

$6,000

$22,500*

Additional annual employer contribution limit

Not offered

Yes, up to an additional $43,500**

Flat fees that don’t increase with your account balance

No, asset-based fees

Yes, flat fees

$15,000 credit to offset setup costs²

No

Yes

Flexible auto-enrollment and vesting schedules

No

Yes

Investment guidance based on individual risk tolerance

No

Yes

Employee enrollment meetings and education

No

Yes

Auto-enrollment and escalation

Required at mandated levels

Optional and flexible

Customizable investment lineups

No

Yes

* This limit is subject to cost-of-living increases for later years.

** Eligible employers may be able to claim a tax credit of up to $5,000, for three years, for ordinary and necessary costs of starting a 401(k) plan. IRS’ qualifying factors are: you had 100 or fewer employees who received at least $5,000 in compensation from you in the preceding year, you had at least one participant who was a non-highly compensated employee (NHCE) and in the three tax years before the first year you’re eligible for the credit, your employees were substantially the same employees who received contributions or accrued benefits in another plan sponsored by you, a member of a controlled group that includes you, or a predecessor of either. Those plans with automatic enrollment can claim a tax credit of $500 per year for a 3 year taxable period.

Choose a Better Path to Savings

maximum savings contribution Ubiquity Start your Ubiquity 401(k) today.

Call toll-free 866.902.5030 to get started.

1 Decimal, Inc. charges flat fees for recordkeeping and administrative services. Third-party service providers may assess asset-based fees to customers. We advise Plan Sponsors to review all service agreements with providers, such as investment advisors, custodians, and broker-dealers, to evaluate the total cost of the plan.

2 Eligible employers may be able to claim a tax credit of up to $5,000, for three years, for ordinary and necessary costs of starting a 401(k) plan. IRS’ qualifying factors are: you had 100 or fewer employees who received at least $5,000 in compensation from you in the preceding year, you had at least one participant who was a non-highly compensated employee (NHCE) and in the three tax years before the first year you’re eligible for the credit, your employees were substantially the same employees who received contributions or accrued benefits in another plan sponsored by you, a member of a controlled group that includes you, or a predecessor of either. Those plans with automatic enrollment can claim a tax credit of $500 per year for a 3 year taxable period.

3 Decimal, Inc. conducted an evaluation of four small-business 401(k) providers in the marketplace by analyzing independent customer reviews on Google, Trustpilot, and the Better Business Bureau, as reported by unaffiliated contributors on or before September 30, 2022, with a revaluation date of January 12, 2023. The evaluation resulted in a higher score for our company compared to the other providers. We strive to provide excellent service to our customers and appreciate their feedback. Google ratings for Ubiquity Retirement + Savings products and services are determined by customer reviews. The rating calculation methodology is available here. The rates shown were last updated on January 12, 2023, and are based on reviews from 2014 to 2023.

4 This calculation assumes the following scenario: Jennifer and Joshua each have retirement plans that they contribute $6,000 to every year. Jennifer’s plan is with Ubiquity Retirement + Savings and her fees are flat $6/month. Joshua’s plan is with SecureSavings and his annual, asset-based % fee is 0.75%. The accounts grow an average of 10% every year.

Do Better​ than the Colorado State IRA — Get a Ubiquity 401(k)