The CalSavers Alternative: A Ubiquity Small Business 401(k)

A Ubiquity Small Business 401(k) enables:

  • A maximum contribution amount of $22,500 (nearly 3x higher than the CalSavers IRA)
  • An additional annual employer contribution limit of $43,500 (not available with a CalSavers IRA)
  • Transparent, flat fees that don't change with your account balance (while CalSaver's asset-based fees grow with your savings)
  • Receive up to $16,500 in tax credits over three years when you open a 401(k)
Empower your future with an affordable, customized retirement solution.

We’ve spent 20 years dedicated to small business retirement success. Call 866.634.6116 or schedule a free consultation with a retirement specialist.

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Small Business Retirement Planning in California: Get Ahead of the Deadlines

California is one of the first states to launch a retirement savings initiative. Over the course of a 3-year rollout based on employer size, all businesses with over 5 employees will be mandated to choose from the one-size-fits-all, state-provided, automatic Individual Retirement Account (IRA) or sign up for an eligible retirement plan with a private provider

Employer Size

Plan Setup Deadline

More than 100 employees

June 30, 2020

More than 50 employees

June 30, 2021

5 or more employees

June 30, 2022

We’ve got the best alternative. Ubiquity Retirement + Savings provides affordable and robust 401(k) plans customized to meet your needs.

How does the CalSavers IRA stack up to our most popular small business retirement plan?

A 401(k) solution provides employers with the opportunity to maximize their contributions and tax savings while helping their employees save for the future. With a 401(k) plan you can contribute 3 times more than with an IRA:

Typical State IRA

Ubiquity 401(k)

Maximum employee annual contribution amount



Additional annual employer contribution limit

Not offered

Yes, up to an additional $43,500¹

Flat fees that don’t increase with your account balance

No, asset-based fees

Yes, flat fees

Tax credit that can total up to $5,500 per year – or $16,500 for the first three years of the new 401(k) plan2



Flexible auto-enrollment and vesting schedules



Investment guidance based on individual risk tolerance



Employee enrollment meetings and education



Customizable investment lineups



Auto-enrollment and escalation

Required at mandated levels

Optional and flexible

1.  This limit is subject to cost-of-living increases for later years (for prior years, refer to this cost-of–living adjustment table.)
2. Available to eligible employers who have less than 100 employees who received at least $5,000 in compensation in the previous year, had at least one participant who was a non-highly compensated employee, and in the last 3 years did not contribute to a benefit plan for your employees through a plan sponsored by you or a member of a controlled group that includes you.

Small Business Retirement with Ubiquity Retirement + Savings

So why not opt for the smarter option? If you’re looking for the maximum savings potential and tax benefit, Ubiquity provides flat-fee and low-cost retirement plans, all delivered online to you and your employee. That means no hidden fees or AUM charges in the fine print. Since 1999, we have been singular in our focus on the un-served small businesses. We have helped hundreds of thousands of employees save towards their future.

401(k) plans offer a great tax-saving benefit. But some small business owners don’t have a lot of time to figure it out.

That’s why Ubiquity created this Definitive Guide to Small Business 401(k), including everything you need to know about saving money for your business, your future, and without confusing language or too much financial jargon.

With this small business 401(k) guide, you’ll learn everything you need to know about how to:

  • Maximize your contributions
  • Provide a valuable benefit to your workforce and retain talent
  • Deduct your contributions as a business expense
Download the guide now

Choose a better path to savings

Want to know more about California’s state-mandated retirement versus Ubiquity? We’ve got experts that have your back. Call us today at 855.912.6904 or email us at

© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 300
San Francisco, CA 94104
Support: 855.401.4357

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© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 300
San Francisco, CA 94104
Support: 855.401.4357

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