Retirement Login HSA Login

Not sure?   Contact Us

Owner-only retirement savings

With a Single(k)® plan from Ubiquity Retirement + Savings, you can have a big business 401(k) plan, even as a one-person operation. As our lowest cost 401(k) plan, Single(k) delivers tax-saving benefits for your business in a plan that practically pays for itself.

Plan Features


All 401(k) plans include

Single(k) FAQ'S View/Hide All

About Single(k)

Is my Single(k) protected against creditors and/or lawsuits?
How do I set up and manage my Single(k) plan?
How does Single(k) work?
What is a Single(k)?


What is the maximum profit-sharing contribution that can be made to a participant’s account?
Does the “catch-up” contribution apply to me?
If two people are in a Single(k) plan, do both have to contribute?
How much can I save in Single(k)?


Is there a deadline to fund a Single(k) plan?
Is there a deadline to establish a Single(k) plan this year?


Regarding Eligibility and Elective Deferrals
What happens if I hire one or several full-time employees?
Can a business partner who is not related to me take advantage of a Single(k)?
Can a spouse or a family member who works with me participate in a Single(k)?
Can I sign up for a Single(k) if my business has employees?

Getting Started

Regarding Eligibility and Elective Deferrals
Can I set up my Single(k) in the name of a revocable living trust?
Can I set up automatic payments to my Single(k)?
Do I need an Employer Identification Number (EIN)?
How long until my account is set up and ready to be funded?
How do I get started?

Hardship Withdrawals

What is a “contribution suspension”?
What are the tax consequences of taking a hardship withdrawal?
What documentation is required?
If I have a hardship, how much can I withdraw?
What does the IRS consider as a “hardship”?
Can I take a hardship withdrawal from my 401(k) plan?


What can I invest in?


How long does it take to process the loan?
Can I borrow against my Single(k) assets?


Do I have to sell my stocks in my IRA or previous 401(k) to roll them over to a Single(k)?
How long do I have to roll my previous retirement accounts into my new Single(k) plan?
Can I roll over my current retirement plan into the Single(k) account?

Roth 401(k)

Do I need to establish a separate account for my Roth contributions?
Can my plan offer only Roth contributions?
Can distributions from a Roth account be rolled over?
Can I withdraw money from my Roth account while I am still working?
Do Roth contributions need to be reported separately from wages, tips and other compensation on the Form W-2?
Do I have any recordkeeping or reporting obligations with Single(k)?
If I start making designated Roth contributions at the beginning of the year and later change my mind, can they be re-categorized and transferred from my Roth account to my traditional, pre-tax account?
Can my Roth contributions be made to my pre-tax account?
How much may I contribute to my Roth account?
Can I make both pre-tax contributions and Roth (after-tax) contributions in the same year?
Who should consider saving in a Roth 401(k)?
What is a Roth 401(k)?


What if I want to terminate my account?


Single(k) charges a flat annual maintenance fee as low as $215, regardless of how much money is held in your retirement plan. That way you can save more, without paying more.

There are two categories of fees:

Flat fees: Pay a flat fee, with nothing hidden in the fine print.

Asset-based fees: While Ubiquity does not charge asset-based fees, funds and investment management services charge a fee based on the amount of money in your plan. Because we work exclusively with small businesses, we only work with partners who charge the industry’s lowest asset-based fees for fund selection and investment management.

Get started with a Single(k) today

Mobile Ubiquity  Funds

Sign up online in minutes, and start saving right away.


Still have questions?

I want to find the right plan, GET A QUOTE

Have a specialist contact me, TALK TO A HUMAN

Download the Single(k) PDF