Small Business 401k Plans - Tailored Plans to Your Team Size

Q: What are the types of 401(k) plans available for small businesses?

Small Business 401(k) - Designed for a growing team that needs flexibility and diversity with contribution limits, vesting schedules, and investment opportunities. These are great for scalability and long-term sustainability. Solo 401(k) - Made for the entrepreneur who doesn't have any employees besides a spouse, this type of plan allows for higher contribution limits, maximized savings options, and simplicity for the single-person business. Safe Harbor 401(k) - For businesses that may struggle with maintaining compliance, a Safe Harbor 401(k) helps by allowing owners to avoid certain nondiscrimination tests. They also offer streamlined administration, and other benefits.

Q: What payroll providers integrate with Ubiquity 401(k) plans?

Our integrations are designed to be payroll-agnostic.

Q: Can very small businesses set up a 401(k) plan?

Yes, very small businesses can set up a 401(k) plan. Options include Solo(k) and Safe Harbor plans.

Q: How can I get started?

Answer a few questions to see which plan is right for you or schedule a free consultation.

Why Ubiquity 401(k)

Tailored retirement plans from industry-leading professionals

For over 25 years, Ubiquity has helped small businesses offer affordable, flat fee 401(k)s that maximize savings without complicating administration. Our future-driven features make it easy to help employers and their workforces build long-term financial security.

features for businesses

Free plan design & consultation with a retirement expert

A variety of contributions based on plan type

Access to broad investment options, including Vanguard, Schwab, Fidelity, CensiblyYours® Index Portfolios, Farther 3(38) Investment Management & more.

Simplified IRS and DOL compliance

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Get an estimate of your 401(k) cost and potential tax credits

Fill out the fields below to calculate the approximate costs of a new Ubiquity 401(k) as well as potential tax credits.

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Additional tax benefits

You may be able to benefit from tax deductions on your employer contributions up to $1,000 per employee, for the first 2-5 years of the plan.

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At any point, you can switch to a different plan than the one you selected above

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RETIREMENT plans

What small business 401(k) plans are available through Ubiquity?

Whether you need a simple setup and maintenance process or full-scale customization options without the big-box prices, Ubiquity’s plans are here to meet you where you are.

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Smart, Simple, All-in-one

Saver(k)®

A cost-effective 401(k) solution designed with expert-selected features to simplify retirement benefits for your business.

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Our Most Popular

Custom(k)®

A highly customizable 401(k) that lets you tailor plan design—from employer matching to profit sharing—ensuring it fits your unique business needs.

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The White-glove Choice

Reserve(k)®

A premium 401(k) with fiduciary support, compliance safeguards, and advanced customization for businesses that need more.

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We make it easy to invest in your retirement future

Attract and retain employees

Competitive benefits keep employees satisfied, loyal, and productive.

Tax deductions and credits for business owners

Lower the taxes you owe and put your savings toward the growth of your business.

Efficient contribution management

Simplified streamlined payroll deduction ensures employees come first.

Dedicated support

Our proactive team is available 24/7, every step of the way through chat, email, and phone.

Employee roster with five names and a participation chart showing 75% employees on plan with 15 signed up.

Tax credit eligibility shows $2,000 annual tax credits and $6,000 total credits over 3 years.

Ubiquity Manage Contributions screen showing adjustable pre-tax and Roth contribution percentages.

Want to talk to one of our retirement experts to make sure our Business 401(k) will suit you?

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Seamless Payroll Integrations

We integrate with top payroll providers so you can easily find their payroll, connect their plan, and build a straightforward 401(k).

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Small Business 401(k) FAQs

What type of small business 401(k) plans does Ubiquity offer?

We offer three flat fee 401(k) plans, all designed specifically for small businesses. They include:

Reserve(k): Our all-inclusive plan with extras like fiduciary oversight, Fidelity bonds, and more.
Custom(k): The option that can be 100% tailored to your business needs.
Saver(k): Easy to manage and affordable, while still providing you with big-business features.

What are the types of 401(k) plans available for small businesses?

Small Business 401(k)

Designed for a growing team that needs flexibility and diversity with contribution limits, vesting schedules, and investment opportunities. These are great for scalability and long-term sustainability.

Solo 401(k)

Made for the entrepreneur who doesn’t have any employees besides a spouse, this type of plan allows for higher contribution limits, maximized savings options, and simplicity for the single-person business.

Safe Harbor 401(k)

For businesses that may struggle with maintaining compliance, a Safe Harbor 401(k) helps by allowing owners to avoid certain nondiscrimination tests. They also offer streamlined administration, and other benefits.

What payroll providers integrate with Ubiquity 401(k) plans?

We’re able to support payroll integrations with 100+ providers, including major platforms like ADP, Paychex, Gusto, and Quickbooks, as well as many others used by small businesses. Because our integrations are designed to be payroll-agnostic, you can typically keep the payroll provider you already use (or make changes later) without disrupting your plan.

How fast can Ubiquity set up a retirement plan for my business?

Most Ubiquity plans can be set up in just a few days. Our team of experts will help you with everything you need so you can start contributing right away.

Can very small businesses set up a 401(k) plan?

Yes, even very small businesses, including those with just one employee, can set up a 401(k) plan. We offer flexible choices specifically for smaller teams. Our Solo(k) and Safe Harbor plans are our most affordable simple options for smaller teams without sacrificing quality.

Can someone else manage my retirement plan's investments?

Yes. If you'd rather leave portfolio decisions to experienced professionals, Ubiquity offers professionally managed solutions that can reduce the time, complexity, and responsibility of overseeing your plan.

Choose the option that's right for your business:

CensiblyYours® Index Portfolios – Predictable flat-fee pricing with professionally managed index portfolios and ongoing fiduciary oversight.
Farther 3(38) Investment Management – Low-cost, personalized portfolio management with ongoing fiduciary oversight.

What is the difference between a 401(k) and IRA?

State-run IRAs may seem convenient, but they can hold businesses back due to issues like limited design flexibility, less investment options and employee incentives. A 401(k) not only allows all of these but provides even more major features that enhance your business and team.

How can I get started?

Answer a few questions to see which plan is right for you. If you’d rather speak to our team first, schedule a free consultation with us. Our team will gladly walk you through our offerings and answer any questions or concerns before you officially sign up.