Welcome Oregon Restaurant & Lodging Association Members!

Did you know OregonSaves requires all employers with one or more employees to offer a retirement savings plan? To assist our members in complying with this law*, the Oregon Restaurant & Lodging Association has partnered with Ubiquity Retirement & Savings®.

*Failure to comply with this law may be subject to enforcement action, including penalties and fines of up to $100 per affected employee.

Get a 401(k) with low, flat fees and #1 ranked service1

Please fill in your information below or call 866.805.4703 for a Ubiquity Retirement Plan Consultant to assist you.

    3 Reasons to Offer a 401(k)

    Implementing a 401(k) not only ensures compliance with the law, but can also bring your business numerous advantages and showcase your commitment to your employees’ financial well-being. Here are some of the benefits of offering a 401(k) plan:

    1. Tax Credits: You may be eligible to receive up to $16,500 in tax credits over three years. Additionally, there are multi-year tax credits of up to $50,000 available for providing employee contributions each year.
    2. Faster Retirement Security: As a business owner, you can contribute up to $66,000 each year toward your own retirement savings.
    3. Attract and Retain Top Talent: A 401(k) plan is a highly desirable benefit that gives your business a competitive edge. It demonstrates your commitment to the long-term financial security of your employees and sets you apart from competitors.

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    Why Small Business Owners Choose Ubiquity

    1. Low flat fees that don’t increase as your retirement balance grows.
    2. No fees charged as a percentage of your assets
    3. Top rated customer service across Google reviews, Trustpilot, and BBB
    4. Easy to administer – from compliance to plug-n-play payroll integration so you can focus on running your business
    5. Access to 30k+ mutual funds, ETFs, and ERISA 3(38) plans

    Get $375 in Member Discount Savings

    Through our partnership with Ubiquity, we can offer exclusive member discounts of at least $125 per year AND a 50% discount on your initial setup fee (a $250 value).

    Call 866.805.4703 to speak with a retirement specialist.

    How does the OregonSaves 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 Oregon small business owners have chosen: the Ubiquity 401(k).

    OregonSaves IRA

    Ubiquity 401(k)

    Maximum employee annual contribution amount



    Total annual contribution limit (e.g. employer match, Roth contribution)


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

    Flat fees that don’t change based on savings amount



    $15,000 credit to offset setup costs1



    Flexible auto-enrollment and vesting schedules



    Investment guidance based on individual risk tolerance



    * 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.

    Ubiquity is the #1 Ranked 401(k) Provider

    Highest Customer Satisfaction in the Industry1


    google logo

    trustpilot logo

    Ubiquity BBB Business Review





    Our 401(k) Plan Pricing Beats the Competition

    Ubiquity was the first 401(k) plan provider in the industry to offer flat fee pricing–and our pricing is among the lowest available. No matter how big your plan assets get, you’ll pay the same low fee.




    Simple, flat fees



    Charges assets under management fees
    (the larger your 401(k), the more you pay)



    See What Other Small Business Owners Are Saying

    As a small business, it was important for us to find an affordable and responsive company to administer our retirement platform. Not only do we appreciate the reasonable and transparent fees, we have received great customer service, a user friendly web platform, and a competitive retirement option for our employees.

    — Jennifer M. Patronski

    1 Please refer to Important Information for details.

    © 2023 Ubiquity Retirement + Savings
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    44 Montgomery Street, Suite 300
    San Francisco, CA 94104

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    © 2023 Ubiquity Retirement + Savings
    Privacy Policy
    44 Montgomery Street, Suite 300
    San Francisco, CA 94104