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

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.
Easy setup: We offer easy plug-n-play payroll integration so you can focus on growing your business not 401(k) paperwork.
#1 ranked: Top rated customer service across Google reviews, Trustpilot, and BBB
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.
Secure your financial wellness: Whether you want professional investment management or want to do it yourself, we have the product and service for you.

Ubiquity is the #1 Ranked 401(k) Provider

Highest Customer Satisfaction in the Industry¹

Provider

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Ubiquity

4.3/5^*

4.6/5

4.5/5

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?

Yes No

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?

Yes No

Calculate

1. Please refer to Important Information for details

When you offer a 401(k) to your employees, you empower them to build a stable future. It's a practical step that brings both financial security and confidence. And tax credits make the first three years cost-free for you.

Year 1

Year 2

Year 3

Total

Ubiquity price before credits

Ubiquity price after credits²

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Thousands in Additional Tax Credits Available

Year 1

Year 2

Year 3

Year 4

Year 5

Total

Available $ Per Eligible Employee as a Government Match Credit

Eligible Employees Receiving Employer Matching

Federal Government Matching Tax Credit to Employer

Out of Pocket Employer Contribition Expense (after tax credits)

Slide left/right to see full table.

If you’re willing to put into your plan as employer contributions, the federal government will give you full credit on those contributions¹
After tax credits, the cost for you to get up to into your plan over five years is zero
These contributions can be profit sharing, match, safe harbor and QNEC contributions
If employees leaves beforehand, these profit-sharing matching contributions stay in the plan for owner and/or others

Get started! Call toll free 866.845.5058 today or schedule a call later.

This calculator is for illustration purposes only and should not be construed as tax advice. Users should consult a tax professional regarding specific tax needs, credit availability and amount. For further information please visit the IRS website.

Back to Calculator

1. Please refer to Important Information for details.

2. Start-up tax credit modification: Small employers with 50 or fewer employees may apply 100% of qualified start-up costs toward the tax credit formula (up to $5,000 per year). New tax credit for start-up plans offering employer contributions: A tax credit equal to the applicable percentage of employer contributions, capped at a maximum of $1,000 per employee.

Applicable to small employers with 50 or fewer employees. For employees with 51–100 employees: The credit is phased out by reducing the amount of credit each year 2% for each employee in excess of 50. Applicable Percentage: 1st and 2nd year = 100%, 3rd year = 75%, 4th year = 50%, 5th year = 25%, 6th year = 0%

No contributions may be counted for employees with wages in excess of $100,000 (inflation adjusted). If taking advantage of this tax credit, employer contributions may not also be counted toward “start-up costs” in the start-up tax credit calculation.

Choose a Better Path to Savings

maximum savings contribution Ubiquity Start 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