What If My Employer Doesn’t Offer a 401(K) Match?
If your employer does not offer a 401(k) match, you still have lots of options available to help you meet your retirement savings goals.
Everyone
Employees
What is 401(k) Vesting? A Guide For Employers Designing Retirement Plans
Everyone
Employers & Business Owners
401(k) Plan Sponsor Responsibilities: Duties, Compliance, and a Practical Checklist for Employers
Everyone
Employers & Business Owners
Required Minimum Distributions
Learn How Required Distributions Affect your 401(k) Savings
Everyone
Employees
The State of Retirement Readiness: Where Employers Stand & Why They Need More Support
Everyone
Employers & Business Owners
The 2026 Small Business 401(k) Readiness Checklist
Everyone
Employers & Business Owners
Ubiquity Retirement + Savings’ 2025 Year in Review
Small business retirement planning significantly shifted in 2025. Retirement plans, which were once viewed as a secondary benefit, became a core part of how employers compete, comply, and grow.
Everyone
Employers & Business Owners
Retirement's New Pitch: Buy The Annuity Direct, Then Build A Plan That Lasts
Tim Cowart, Chief Financial Officer at Ubiquity Retirement + Savings says the momentum behind direct-to-consumer platforms reflects a broader demand for simpler planning and more visible outcomes.
Everyone
Employers & Business Owners
Millennials Aren't Ignoring Retirement. They're Rebuilding It.
A generation raised without pensions is leaning on tech, transparency, and new plan design to close the gap. Why millennials are showing up in their 401(k)s.
Everyone
Employers & Business Owners
Most Small Businesses Aren't Ready for New Retirement Mandates
New Ubiquity Retirement + Savings survey of 1,000 small business employers finds 94% say retirement plans boost retention, yet many are still catching up on SECURE 2.0 and state mandates
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Employers & Business Owners
The State of America's Small Business Retirement Readiness in 2025
Everyone
Employers & Business Owners
Annual Contribution Limits
Each year the IRS updates the amount of money individuals may save for retirement into 401(k) and IRA plans.
Everyone
Employees
