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Financial Advisors

Grow Your Revenues with Small Business 401k Solutions

Meet your clients’ growing need for small business retirement savings

As a financial advisor, you maintain a laser focus on helping your clients build and grow wealth. However, what do you do when clients with small businesses want the tax advantages of a 401k for themselves and their employees?

You could take on the job yourself at a significant cost in time, resources and training. Alternatively, you could look to an institutional 401k provider—but most only offer plans designed for large enterprises, with features that small businesses do not need, and at prices, they cannot afford.

Ubiquity Retirement + Savings™, the original low-cost, flat-fee 401k plan provider, offers the industry’s only advisor-centric, low-cost 401k solution designed specifically for the startup and small business segment. Grow your revenues by delivering industry-leading small business retirement savings. We handle the record-keeping, compliance, administration and servicing, while you reap the rewards—all at zero cost to you.

Capitalize on the growing need for small business 401k

Of the more than five million small businesses with fewer than 100 employees in the United States, just 14%, or roughly 735,000, currently sponsor a retirement plan.

That leaves over four million small businesses and their employees without access.

Percentage of small businesses by size, offering a retirement plan:

1-4 employees

6%

5-11 employees

18%

12-25 employees

26%

25-100 employees

31%

More small business customers are ready to capitalize on the advantages of 401k retirement savings—and they are looking to their financial advisors to help them get started. Fortunately, you do not have to take on the massive task of establishing and servicing a new, highly regulated line of business.

Ubiquity can seamlessly integrate our industry-leading 401k plan solutions into your existing platform and portfolio—with minimal effort, and zero cost to you.

“I have been using their online recordkeeping system for a few years now and they got it right. The simplicity of the system allows Participants, Plan Sponsors and Advisers the information they need right at their fingertips in a clean modern view. Built with an easy flat fee pricing model makes billing easy and understandable! By focusing on the right information, they have organized a system that just works for everyone.”
- Rone J. Davis, AIF®, CLU®, ChFC®, MSFS
 Chief Investment Officer, Daviman Financial LLC,

Seamless 401k solutions for small business clients

Ubiquity makes it easy for financial advisors to bring low-cost, flat-fee retirement savings to startup and small business clients.

You can deliver retirement plans designed from the ground up specifically for the underserved and budget-conscientious small business customer. We provide the insights, resources, and state-of-the-art technology platform to grow your business. You reap the rewards of offering a one-stop shop for all of your small business clients’ financial management needs—without shouldering the time, costs and risk of managing their 401k plans yourself.

“I am a new plan sponsor for my employer with Ubiquity. The friendliness of customer support was outstanding. So far, I am very impressed with Ubiquity! ”

- Alan Drage, Great Basin Scientific

We do the work, you reap the rewards

For financial advisors, expanding into small business 401k plans means taking on a considerable amount of new work and risk.

Combine training, client sales calls, crafting investment lineups, establishing plans, tracking down participants for enrollments, answering complex questions—not to mention a massive amount of record-keeping, all under rigorous regulatory standards—and most advisors are effectively looking at a new full-time job.

With Ubiquity, you can direct clients to our platform, and our small business retirement experts handle the rest, including sales, service, enrollment, recordkeeping, administration, and compliance. That being said, you can also choose to be as involved as you like in the process with your clients. Your clients get industry-leading low-cost retirement savings with dedicated support from our U.S.-based servicing teams every step of the way. Meanwhile, you can focus on maximizing the rest of your clients’ portfolios and growing your business.

Close the 401k product gap

With Ubiquity’s turnkey solution, your startup and small business clients can access the industry’s leading low-cost 401k platform.

Our 401k plans are designed and priced for small businesses with under 100 employees, micro-small accounts with under 25 employees, and even sole proprietor accounts. Our flat-fee, zero-asset-minimum solutions have already helped hundreds of thousands of people save more than $2 billion towards their retirement.

Deliver an integrated 401k solution—in minutes

Using our proprietary Paradigm™ software-as-a-service (SaaS) platform, you can offer affordable, Department of Labor (DOL)-compliant 401k plans that fully integrate with your existing platform.

We can exclusively provide your investment line-up to grow your referral revenues and deliver a single, consistent client experience under your brand, with little or no effort from your team. The best part: with our industry-leading proprietary platform, your clients can get new 401k plans up and running in an average of just 15 minutes.

401k expertise you can trust

As a highly regulated fiduciary process, every step we take is subject to significant scrutiny. Choose a partner with substandard processes or technology—and you could be exposing your business to significant risk.

Ubiquity has a proven, fully-owned proprietary technology platform and an 18-year track record of profitably serving the small business 401k market. If you are considering bringing new 401k options to your clients, trust the longtime industry leader in flat-fee small business retirement savings.

Start here to set up a plan with Ubiquity.

Get started

Proprietary platform makes small business 401k simple

At the core of Ubiquity’s small business 401k is our proprietary Paradigm SaaS platform.

It provides a state-of-the-art, consumer- and mobile-friendly experience designed specifically for small businesses. Instead of spending weeks coordinating all the parties involved in a 401k, your clients can establish a plan in minutes. Moreover, through our open API, we can integrate a wide range of payroll, Human Capital Management (HCM), benefits administration and other partner platforms. Deliver a full-service, dedicated small business customer experience under your brand—all pre-integrated and fully supported by Ubiquity.

Partner with the industry leader in small business retirement

Ubiquity has been providing low-cost, flat-fee retirement plans to small, micro-small, and sole-proprietor businesses since 1999.

With nearly two decades of experience delivering small business customers the industry’s only proprietary digital enrollment and recordkeeping platform, we lead the industry in small business 401k plans. Let us help you bring the full spectrum of financial and retirement solutions to your small business clients and grow your revenues—without the risk and hassle, at zero cost to you.

Linnae LaCore

Partner Relationship Manager


Mike Bissett

Director of Sales and Partnerships

Alyssa Witt

Advisor Relationship Manager

Chris Jasinski

Business Development

In the Media

© 2018 Ubiquity Retirement + Savings
1160 Battery Street, Suite 350, San Francisco, CA 94111 / Support: 855.401.4357

© 2018 Ubiquity Retirement + Savings
1160 Battery Street, Suite 350, San Francisco, CA 94111 / Support: 855.401.4357