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Chad Parks is Founder, President, and CEO of Ubiquity Retirement + Savings, formerly The Online 401(k), has helped savers contribute over $1.4 billion towards their retirement since 1999. As one of the first flat-fee-for-service small business plan providers in the nation, Ubiquity delivers peace-of-mind with zero hidden-fees in the fine print. The company is headquartered in San Francisco with satellite offices from coast-to-coast. Read More...

Parks started out as a broker in the financial services industry by growing a portfolio of individual clients at San Francisco’s Piper Jaffray. Driven by a desire to better serve his clients while anticipating the phasing out of the traditional broker model, Parks left Piper Jaffray in 1997 to obtain his CFP designation and start his own fee-for-service, independent financial planning practice, Retirement & Education Group, Inc.

In his financial planning practice, Parks came across many small business owners looking for cost-effective and quality retirement plans. Finding the small business market highly neglected and underserved, Parks saw the opportunity and took it by launching The Online 401(k). Today, Ubiquity serves more than 7,000 small business customers in 50 states, providing solutions both directly and through partners, such as Zenefits, Charles Schwab & Co. and Morningstar, as well as payroll companies, financial planners and CPAs.

Parks has been quoted in many financial services as well as national publications such as The Wall Street Journal, The New York Times, Fox Business, Yahoo! Finance, USA Today, CNN Money, Bloomberg Wealth Manager, Business Week, Entrepreneur and Plan Sponsor for his considerable work performed in the space of small business retirement as well as his foray into documentaries with his independently produced Broken Eggs Film, released in 2014.

With his extensive work in Washington DC in getting legislation passed in order to stop the practice of hiding fees in the fine print, Parks has become the go-to expert on public policy as it relates to 401(k), as well as the looming retirement crisis in America, and what we can do to fix it.


December 15, 2011 at 12:00 pm
Ubiquity News + Announcements


Hi there!

Chad Parks here, Founder and CEO of The Online 401(k).

I’m writing for several reasons, but let’s start with the most important: I want to thank you for being a part of our family. You are obviously a part of a forward-thinking business that recognizes how critical it is to offer savings at work.

Surprisingly, you are more of a rarity than the norm.

According to 2010 Census data, 92% of businesses with two to 20 employees do not offer any kind of retirement plan. That represents almost four million small businesses and almost 40 million employees.

(R)evolution: Welcome! You are a part of it.

Since The Online 401(k) was founded in 1999, we have always been ahead of our time. You are involved in a small business, so you know firsthand that every business of every size needs to evolve to remain relevant. That’s even more true of the retirement landscape and we have been at the forefront of that change from inception.

Our commitment to transparency is as strong as ever.

Our model of fee transparency has not changed in 12 years of business. However, others in our industry have not always shared our core values.

The Department of Labor, which oversees our industry, has finally started listening and is working with us! With the collective efforts of The Online 401(k) and other key players in the industry, we are working to expose hidden 401(k) fees—which you will be hearing a lot about in 2012.

Luckily, you have chosen wisely with The Online 401(k), and there are no unpleasant surprises in store for you.

As new fee regulations become effective, we will be sure to communicate important information to you and your employees.

Our new… everything….

We’re changing fast. We asked, and you told us that our Web experience and service model is outdated, and that an overhaul is in order. We agree! It is with that in mind that we are committed to bringing a fresh and intuitive experience for you and your employees.

In recent years, there have been some life-altering advancements in technology, and our expectations are higher than ever. That’s why The Online 401(k) is introducing an all-new online experience for our clients, unlike anything else you’ll currently see in the retirement industry. Stay tuned for ongoing developments throughout 2012! I think you’re going to love the changes.

The Online 401(k): Coming to a town near you.

U.S. retirement statistics are nothing short of alarming. That’s why a small group of us are hitting the open road in an orange VW bus (no, really) in mid-spring 2012. And we want to meet you, our forward-thinking clients, as well as the 40 million workers who don’t have access to retirement savings at work. Keep an eye out for our vibrant caravan in a city near you!

If you’d like to catch up with us on our U.S. tour, write us at and tell us what city you are in. We’ll let you know when we’re visiting your area so we can have a chat!

So let’s do this.

2012 is going to be a great year for all of us. There are major regulatory changes on the way and The Online 401(k) is committed to constant improvement and keeping you in the know.

Let’s meet soon! We want to know your story and help to make your voice heard.



Chad Parks
Founder & CEO, The Online 401(k)

Let’s connect!
Twitter: @theonline401k