Solo 401(k) Plans from Ubiquity are Affordable and Easy to Set Up

  • Ideal for those who have maxed out IRA accounts first
  • Only we have guaranteed flat fees - NO employee pricing % fees
  • #1 ranked 401(k) provider on Google¹
  • Vast investment options, including self-directed brokerage
  • Reduce your taxable income with traditional options

Solo 401(k) plans
starting at $19/month

Billed annually at $228/year + $285 one time set up fee

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Call toll-free 1-855-787-3735 or
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As a freelancer, sole proprietor, independent contractor, or entrepreneur, you can start reducing your taxable income right away with a solo 401(k) plan (if you choose pre-tax salary contributions). After you’ve maxed out your IRA, set aside even more for retirement with our solo 401(k) plan. It also permits you to borrow up to $50,000 from the balance and pay yourself back over the course of five years.

Solo 401(k) Benefits for You:

You have the best of both worlds with a solo 401(k). You have the flexibility to contribute as much as you want from year-to-year (up to the standard limits), plus, you do not have to worry about limiting their salary deferrals based on failed nondiscrimination tests caused by employees with low savings rates. You also get all the benefits of a big business 401(k), like tax deductions and loans.

Solo 401(k) benefits:

Because there are no rank and file employees, plan administration is extremely low maintenance. There are no nondiscrimination tests and business owners are not required to file annual reports with the IRS until the plan reaches $250,000 in assets.

Smiling small business owner working on tablet.
“The customer service has been spectacular, and their ability to work with my team to educate them on the importance of retirement savings surpasses any other provider I've used. The team is amazing and their pricing and products are better than all the other providers I compared them against.”
- Jason Manuel, Razor Rank LLC
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Ubiquity is the #1 Ranked 401(k) Provider¹—
Highest Customer Satisfaction in the Industry


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Why Get Your Solo 401(k) from Ubiquity:


  • #1 ranked 401(k) provider on Google¹

— Saving for retirement is a long-term project, so choose a provider with 5 star Google Reviews

  • Best compliance support

— We’re here to help make sure you’re on top of all your 401(k) filing requirements.

Solo 401(k) Contribution Limits

One of the most important benefits of a self-employed 401(k) is the large amount that can be contributed each year, tax-free.

Maximum employee elective contribution (age 49 and younger)


Maximum employee elective contribution (age 50 and older)

Additional $7,500

Maximum employee elective deferral plus catch-up contribution (age 50 or older)


Defined contribution maximum limit, employee + employer (age 49 or younger)


Defined contribution maximum limit (age 50 or older), all sources + catch-up


Highly compensated employees’ threshold for nondiscrimination testing


Key employee officer compensation threshold


Annual compensation limit for HCEs and key employees


Solo 401(k)

A solo 401(k) plan follows most of the same rules as a regular 401(k) plan, with a few exceptions.

Questions? Our experts are here to help

Pre-tax and Roth contributions

You have the option to make either pre-tax or post-tax Roth contributions. Pre-tax contributions are not included in income when calculating taxable income for the year. Taxes are paid on these amounts and any investment earnings when the person retires and starts taking distributions from their 401(k) plan. Post-tax Roth contributions are included in taxable income. These amounts are tax-free when distributed from the plan. Any investment earnings on the Roth contributions will also be distributed tax-free if the distribution falls under set qualifiers set by the IRS.

Eligibility requirements

Although solo 401(k) plans are not intended for businesses with rank and file employees, you may want to set eligibility requirements in the plan document in case you add employees at some future date. Care must be taken to not exclude yourself from the plan if selecting eligibility provisions.

Beginning in 2024, rank and file employees who work 500 or more hours annually for three years consecutively will become eligible for the plan, so it’s important to consider that when choosing your retirement plan. It may make more sense to choose a group 401(k) plan if you employ long-term, part-time employees.

Coverage and nondiscrimination tests

Because there are no rank and file employees, your plan is exempt from compliance tests designed to ensure that lower-paid employees receive a proportionate share of plan contributions. This simplifies plan operations and lowers administrative costs.

Reporting and disclosures

Solo 401(k) plans are not subject to most of the annual reporting and participant disclosure requirements that apply to 401(k) plans covering employees. Once solo 401(k) plan assets reach $250,000 or more, or when you terminate the plan, the owners must file a Form 5500-EZ, Annual Return of One-Participant (owners, owners spouses and/or partners) Retirement Plan with the IRS.

Ready to get started?

Call us today for a free, no-obligation small business 401(k) consultation:


Ubiquity is not a registered investment advisor and no portion of the material herein should be construed as legal or tax advice. Please consult with your financial planner, attorney and/or tax advisor for advice.

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.

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© 2024 Ubiquity Retirement + Savings
44 Montgomery Street, Suite 300
San Francisco, CA 94104

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Talk to Sales
Schedule a Free Consultation

Contact Support
Visit our Help Center
6am–5pm PT / 9am–8pm ET

© 2024 Ubiquity Retirement + Savings
44 Montgomery Street, Suite 300
San Francisco, CA 94104