401(k) for Construction Companies

plan benefits

How Ubiquity enhances construction businesses

Flat-fee pricing

Avoid hidden fees and growing expenses with transparent, flat-fee pricing, no matter how much your assets grow.

Flexible, custom plans

Build a plan tailored to your team’s needs with flexible matching, vesting schedules, and customizable eligibility.

Simplified compliance support

We’ll handle the recordkeeping, compliance, and regulatory reporting, so your employees can focus on what they do best.

Attract and retain skilled workers

Competitive retirement benefits help recruit and retain skilled tradespeople, keeping your company competitive in a labor-tight market.

Streamlined management tools

Our intuitive platform integrates with payroll systems and simplifies plan contributions, meaning less hands-on management.

World-class customer support

Our proactive team is available 24/7, every step of the way through chat, email, and phone.

Why Ubiquity

Strengthen your construction team’s retirement future

From the moment we start our partnership, we’re dedicated to helping your employees reach their retirement goals. Our intuitive tools, expert insights, and robust features keep your employees focused and productive so they can keep growing your business.

Transparent flat fees that save you more as your assets grow

Intuitive, easy-to-use platform that encourages participation

24/7 world-class customer support

Comprehensive financial education tools to build knowledge and confidence

Flexible vesting, competitive matching, and tailored investment options that maximize savings

Ready to choose the right path for your retirement journey?

Compare Plans

Seamless Payroll Integrations

We integrate with top payroll providers so you can easily find their payroll, connect their plan, and build a straightforward 401(k).

Find My Payroll Provider

What our customers are saying

“I'm new to my company, and I was pretty much hired and handed the reins with very little guidance. I spent a few minutes with a support team member on the phone and got the friendliest, most thorough walk-through of Ubiquity and their services! I was very impressed, and he was helpful in answering all my questions, troubleshooting with me in real time, and even offering tips and tricks as we went. He also scheduled a follow-up call with me to make sure I had no trouble with the site as I worked. Based just on the customer service I've received from him, I'd recommend Ubiquity to anyone!”

Melanie S.
Commercial roofing company with 20 employees

Frequently asked questions

Why should my construction business offer a 401(k) plan?

A 401(k) plan is important for construction businesses. It’s a major retirement benefit that attracts and retains skills workers in a highly competitive labor market while keeping your company profitable. Whether you’re setting up a new plan or converting an existing one, our flat-fee, tax-advantaged solutions provide deductible employer contributions and financial security for your crew.

How much does a Ubiquity 401(k) plan cost for construction businesses?

Ubiquity offers flat-fee 401(k) plans designed to keep costs affordable and predictable (without sacrificing customizability or features) for construction companies. We offer three different group plans – Single(k), Custom(k), and Reserve(k), and their prices vary. Unlike other providers that charge asset-based fees (AUM), our transparent, monthly fee model will ensure that you have no hidden fees or surprises.

What tax benefits come with a 401(k) for construction companies?

401(k) plans offer valuable tax advantages for both employers and employees within a construction business. Employer contributions are tax-deductible, reducing your overall tax income, while employees can make pre-tax or Roth contributions. Additionally, thanks to the SECURE 2.0 Act, you may be eligible for startup and employer match tax credits that are worth thousands in potential savings.

Can I customize a 401(k) plan to fit my construction business?

Yes! You can tailor your plan to meet the needs of your workforce with features like flexible vesting schedules, profit-sharing, curated investment options, and much more.

Can construction companies include seasonal or part-time workers in a 401(k)?

Yes, your plan can be designed to include seasonal or part-time employees. We’ll make sure your entire team has access to building savings.

What 401(k) resources does Ubiquity provide for construction companies?

We provide an online help center, educational tools and guides, and expert live support to help you and your team make informed retirement plan decisions.