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Ubiquity 401(k) Pricing vs.
Human Interest

End up with $209,844 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 Human Interest — and is what Human Interest 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 $209,944 more money after 30 years with Ubiquity vs Human Interest’s pricing

Let’s look at an example of why Human Interest’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 only charges 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 flat $6/month with an investment expense fee of 0.17%. Joshua’s plan is with Human Interest, his annual employee pricing fee is 0.50% with 0.70% investment expense fees.

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 Human Interest account is only worth $609,460, with fees of $80,585. He’s paying 410% higher fees with Human Interest pricing than Jennifer is with Ubiquity! (Wow, they must have some amazing holiday parties at Human Interest…)

Ubiquity’s flat fees could help you end up with $209,844 more over 30 years vs. a plan that charges percentage-based fees.

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

Your bottom line: You’ll end up with $209,844 more 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:

  1. Make sure you choose a 401(k) provider that only charges a flat fee
  2. Ask up front if they charge employee pricing
  3. 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)
  4. Advocate for yourself and get them to switch to a 401(k) provider who disavows those fees.
  5. 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 at 866.320.8556
to speak with a retirement specialist 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 300
San Francisco, CA 94104
Support: 855.401.4357

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© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 300
San Francisco, CA 94104
Support: 855.401.4357

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