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1. Up to $15,000 tax credit to offset setup and administrative fees for 3 years.
This provides you a credit of $250 per employee1 (not to exceed $5,000 per year or $15,000 over 3 years).
2. Up to $1,500 automatic enrollment credit for 3 years.
Since SECURE Act 2.0 now requires auto-enrollment, the government will provide you with a tax credit worth up to $500 per year (up to $1,500 over 3 years) to employers whose plans have automatic enrollment.
3. Up to $1,000 Employer match credit in 2023.
This will be granted to any employer matching contributions to an employee’s 401(k), up to $1,000 of credit per employee in 2023.
4. A saver's tax credit
for lower-income employees to encourage them to save in a retirement plan by allowing them to receive a tax credit even if they owe no income taxes that year.
Provider Ubiquity 4.3/51 4.5/5 4.5/5
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.
2Calculations based on the following scenario: 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 $5/month. Joshua’s plan is with another 401(k) provider and his annual employee pricing fee is 0.5%.
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 account is worth $862,156, with fees of $1,800 with her Ubiquity 401(k). Joshua’s account is only worth $751,364, with fees of $38,831. Ubiquity’s flat fees could potentially help you end up with $110,792 more over 30 years vs. a competitor’s plan that charges percentage-based fees.
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44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357
© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357