High quality customer support
Each plan has a dedicated onboarding specialist and support team so you’re set up for success from day 1.
With flat fees, your costs stay predictable as your assets grow, helping you save more than percentage-based fees that increase with your balance.
Employees can save immediately
You and your team can start working towards a bright financial future from the day the plan launches.
Your team members are enrolled automatically to build good savings habits unless they opt out.
Your team can reduce their income today with pre-tax contributions.
Roth (post-tax) contributions
Employees can save more for retirement with tax-free withdrawals at retirement.
Participants can have peace of mind knowing they can borrow a portion of their retirement account balance and pay it back to themselves without jeopardizing their future.
Expert plan design for seamless deployment
Our dedicated team of professionals will help you customize a plan to your needs.
Customizable plan provisions for incentivizing employees
Award employees with customized plan features to encourage participation while enhancing retention and job satisfaction.
Access to a broad range of investment options
If you prefer to customize your fund lineup instead of choosing from a pre-selected list, we offer options from Vanguard, Schwab, Fidelity, and more.
Up to three plan amendments annually free of charge
If you need to make design changes to your retirement plan, we can help without costly repercussions up to three times a year!
Free ERISA fidelity bond coverage for up to $1M in assets
Protects you and your team’s retirement assets in the event of malicious and dishonest management abuse and mismanagement of your business’ retirement plan.
As a 3(16) fiduciary, we take on your day-to-day plan management so you don’t have to. These services include approving distribution and loan requests, preparing and signing Form 5500 and 8955-SSA, notices, plan disclosures, and more.
Safe Harbor Contributions
Satisfy nondiscrimination testing requirements and help employees boost their savings with safe harbor contributions.
New Comparability profit-sharing
Employers can be more strategic and personalize contributions as they allocate them to different groups of employees.
Management and guidance with CensiblyYours® Index Portfolios
Offload the risk and responsibility of portfolio management by offering Ubiquity’s low-cost CensiblyYours Index Portfolios powered by Kaye Capital Management, a 3(38) investment fiduciary.
Flexible eligibility requirements
Manage access to your retirement plan with significantly more flexible eligibility criteria.
Flexible vesting schedule for employer contributions
Choose your vesting schedule (immediate or after a certain amount of service) for employee vesting in company contributions.
You get a simple, straightforward pricing structure. You’re in the know 24/7/365.
Potentially reduce your taxable income today with pre-tax contributions.
Roth (post-tax) contributions
Benefit from tax-free withdrawals at retirement.
Participants can have peace of mind knowing they can borrow a portion of their retirement account balance and pay it back to themselves without jeopardizing their future.
High-quality customer support
Each plan has a dedicated onboarding specialist so you’re set up for success from day 1 and a support team for ongoing assistance.
Recordkeeping services by Ubiquity
We take on all recordkeeping servicing so you can focus on keeping your business running smoothly.
Access to a broad range of pre-selected investment options
Select from pre-selected fund lists or a full range of stocks, bonds, and other assets that will help you achieve your financial goals.
All-in-one portal for plan management
With our advanced platform, all your most important plan information like balance and investments is secure and can be found in one place. You can also make contributions and manage your investments right from your Ubiquity portal.
Manage investments with a brokerage/custodian of your choice
With this option, Ubiquity will not handle your recordkeeping needs and you'll be responsible for all your administrative duties and plan management. You will need to open your own custodial/brokerage account with a custodian of your choice.
Mega Backdoor Roth provision
If you were previously ineligible to contribute to a Roth account, this strategy can allow the transfer of some 401(k) contributions to a Roth account like a Roth IRA or Roth 401(k).
New Comparability profit-sharing
Business owners can be more strategic and personalize company contributions as they allocate them to different groups of participants.
