Ubiquity 401(k) Pricing vs.
Guideline Pricing

End up with $133,786 more
with Ubiquity

Ubiquity Retirement + Savings® is the only firm ranked #1 401(k) provider on Google with 95% Customer Satisfaction!¹. We’ve got your back and we’re going to show you what’s going on behind the 401(k) curtain. The following pricing information compares our plans versus a typical plan offered by Guideline — and is what Guideline does not want you to read.

Our competitors are hiding extra fees in plain sight by making them sound ordinary or innocent. A great example of this is a fee called employee pricing. Sounds innocent enough, right?

But this employee pricing is really a fee based on the total amount of money in your account, a percentage fee. Which means the fee you pay gets bigger as your money grows…which it likely will do, based on how the stock market has performed historically over a 20-30-40-year time period.

In industry jargon, an employee pricing percentage-based fee is really an asset under management (AUM) fee in sheep’s clothing. And it can erode your nest egg in a sneaky way.

Doesn’t sound so friendly and innocent now, does it?

End up with $133,786 more money after 30 years with Ubiquity vs. Guideline pricing

Let’s look at an example of how Guideline’s pricing eats into your 401(k) balance over time – so that at the end of 20, 30, or 40 years, you have less money than you would have if you were able to find a 401(k) provider that charges only a flat fee.

Jennifer and Joshua each have 401(k)s with a value of $50,000. Jennifer’s plan is with Ubiquity Retirement + Savings and her fees are a flat $5/month with an investment expense fee of 0.17%. Joshua’s plan is with Guideline, his annual employee pricing percentage-based fee is 0.08%, his investment fee is 0.30% and his monthly fee is $49/month.

Assuming they don’t contribute another penny to the account, and it grows an average of 10% every year, at the end of 30 years, Jennifer’s Ubiquity account is worth $819,304 with fees of just $15,804.

But Joshua’s Guideline account is only worth $685,518, with fees of $44,763. He’s paying at least 183% higher fees with Guideline pricing than Jennifer is at Ubiquity! (Well, someone’s got to pay for all the Guideline billboards everywhere…)

Ubiquity’s flat fees could help you end up with $133,786 more over 30 years vs. a plan like Guideline that charges percentage-based fees.

Ubiquity Flat Fee vs. Guideline’s Percentage-Based Fee Makes a Big Difference

Your bottom line: You’ll end up with $133,786 more money with Ubiquity over 30 years

The answer is clear. Flat fees don’t grow over time, unlike employee pricing percentage-based fees / asset under management fees. Be on the lookout for ANY percentage-based participant fees.² These types of fees get bigger the larger your account grows over time and take a bigger chunk out of your retirement money.

You work too hard to be gifting your 401(k) provider with tens or hundreds of thousands of dollars in fees over the life of your 401(k). So how can you prevent that?

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 do I avoid employee pricing fees?

Ubiquity’s top 5 ways to avoid %-based fees:

Make sure you choose a 401(k) provider that only charges a flat fee
Ask up front if they charge employee pricing
Ask your HR benefits administrator, financial advisor, plan sponsor, or third-party administrator if you’re being charged employee pricing (aka assets under management fees)
Advocate for yourself and get them to switch to a 401(k) provider who disavows those fees. We’ve heard it said—no one is going to love you as much as you love yourself, so you’ve got to stick up for yourself and save yourself as much money in fees as possible
Save yourself the time and headache by starting with Ubiquity from the get-go. You’ll avoid employee pricing / AUM fees and have more of your money working for you vs. going into the pocket of your 401(k) provider

Call Ubiquity retirement experts toll-free at 866-320-8556
to make sure you don’t get ripped off today.

¹ An evaluation has been conducted by Decimal, Inc. through its research of 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 on January 12, 2023, resulting in an updated evaluation, for four similar small-business 401(k) providers in the marketplace.
² These fees are separate and different from investment management fees.

Flat fees are charged by Decimal, Inc. for recordkeeping and administrative services. Third-party service providers may assess asset-based fees to customers. Plan Sponsors are advised to review all service agreements with providers (e.g., investment advisors, custodians, broker-dealers) to evaluate total plan costs.

© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

Ubiquity 401(k) Pricing vs. Guideline Pricing

End up with $133,786 more with Ubiquity