Get a 401(k) with Low, Flat Fees and #1 Ranked Service1

STP Brokerage, with you, their valued client, at the forefront strives to bring unparalleled service, exceptional value, and access to essential financial tools. Their dedication to your success is evident in their partnership with us at Ubiquity, ensuring your small business taps into the top-rated 401(k) product.

Please fill in your information below or call 866.528.3080 for a Ubiquity Retirement Plan Consultant to assist you.

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    Whether you’re a solo entrepreneur or lead a team of 100, we offer a 401(k) solution that’s tailored to simplify your journey toward retirement and bolster your financial well-being.

    • Easily attract + retain talented staff via a 401(k) benefit (most-requested after health insurance!)
    • Enhance financial security: Save 3x more with a 401(k) than an IRA for you and your employees
    • Plug-n-play payroll integration
    • Live customer support

    Why Small Business Owners Choose Ubiquity

    1. End up with more money in retirement: Our low flat fees don’t increase as your retirement balance grows – this could mean you end up with $100,000+ more in retirement with us vs. our competitors1.
    2. Easy setup: We offer easy plug-n-play payroll integration so you can focus on growing your business not 401(k) paperwork.
    3. #1 ranked: Top rated customer service across Google reviews, Trustpilot, and BBB
    4. Real people: We are the small business 401(k) experts and have been doing this since 1999. We can answer any questions you have and can provide education to you and your employees so you don’t have to be a 401(k) expert.
    5. Secure your financial wellness: Whether you want professional investment management or want to do it yourself, we have the product and service for you.

    Meet with a Ubiquity Retirement Plan Consultant

    Schedule A Free Consultation

    Ubiquity is the #1 Ranked 401(k) Provider

    Highest Customer Satisfaction in the Industry1


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    Ubiquity BBB Business Review





    Secure 2.0 Legislation Tax Credits Cover Your Costs1

    The passage of Secure 2.0 means there’s never been a better time to open a 401(k) plan for your small business. Combining the new law’s benefits with our affordable, flat fees is a double win for small businesses like yours and your employees.  

    • Three years of tax credits that fully pay for new 401(k) setup and admin fees. Your small business with up to 50 employees can now get a credit of up to 100% of plan expenses (not to exceed $5,000 annually). Over three years, this credit could be worth $15,000! 
    • Automatic enrollment credit of $500 per year to employers whose plans have automatic enrollment. Credit is applied each year for the first three years of the plan. With Secure 2.0, certain plans will be required to have auto-enrollment, and starting in 2025, auto-enrollment will be required universally. 
    • Employer match credit granted to small business employer matching contributions to an employee’s 401(k), up to $1,000 of credit per employee per year. 

    Qualify for Up to $16,500 in Tax​ Credits

    See How Much You Can Save

    As a small business, you could qualify to earn up to $16,500 in tax credits over a 3-year period by starting a qualified retirement plan with auto-enrollment.

    Take advantage of federal tax credits of up to $16,500 that cover the first three years of your small business 401(k) plan with auto-enrollment1. These credits remove financial barriers and increase confidence and peace of mind for small business owners. Plus, you can qualify for even more tax credits by contributing to your employees' retirement plan!

    Do you already have a 401(k) plan that was started before 2019?

    May not be eligible for start-up credit if plan is more than 3 years old, but may still be eligible for $500 auto-enrollment credit.

    How many employees do you have?

    Cannot exceed 100 employees to be eligible for credit.

    How many non-owner employees were paid less than $150,000 last year?

    Please enter a number less than your total employee count.

    IRS guidelines require your plan to have at least one plan participant who was a non-highly compensated employee for it to qualify for the credit.

    Ubiquity 401(k) Plan

    Would you like to learn more about matching tax credits?

    1. Please refer to Important Information for details

    Choose a Better Path to Savings

    maximum savings contribution UbiquityStart your Ubiquity 401(k) today.

    Call 866.528.3080 or schedule a free consultation with a retirement specialist.

    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