Do Better​ than California CalSavers — Get a Ubiquity 401(k)

A Ubiquity Small Business 401(k) enables:

  • Flat Fee Structure (potentially end up with more than $13,385 with us over 30 years)¹
  • Secure 2.0 Tax Credits of up to $16,500² (not available with CalSavers' IRA plan)
  • Choose from 30k Mutual Funds + ETFs + ERISA 3(38) Plans
  • Plug-n-Play Payroll Integration
  • Live Customer Support
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24 years of experience pioneering 401(k)s

Trust the only small business 401(k) provider ranked #1 in Google reviews.

Call 866.240.5167 or schedule a free consultation with a retirement specialist.

Los Angeles California

Top 5 Reasons a Ubiquity 401(k) Beats the California State Plan

  1. Qualify for up to $16,500 in tax credits that aren’t available with the state-run IRA
  2. A Ubiquity 401(k) 100% complies with the California state mandate requirements
  3. A Ubiquity 401(k) could help save more in personal and business taxes than the California state plan while lowering taxable income
  4. A Ubiquity 401(k)s plug-n-play payroll integration saves time and prevents stress by integrating payroll and automating plan administration
  5. Transparent, flat fee structure

Secure 2.0 Legislation Tax Credits Cover Your Costs

The passage of Secure 2.0 means there’s never been a better time to open a 401(k) plan for your small business. Combining the new law’s benefits with our affordable, flat fees1 is a double win for small businesses like yours and your employees.  

  • Three years of tax credits that fully pay for new 401(k) setup and admin fees. Your small business with up to 50 employees can now get a credit of up to 100% of plan expenses (not to exceed $5,000 annually). Over three years, this credit could be worth $15,000! 
  • Automatic enrollment credit of $500 per year to employers whose plans have automatic enrollment. Credit is applied each year for the first three years of the plan. With Secure 2.0, certain plans will be required to have auto-enrollment, and starting in 2025, auto-enrollment will be required universally. 
  • Employer match credit granted to small business employer matching contributions to an employee’s 401(k), up to $1,000 of credit per employee per year. 

Qualify for up to $16,500 in tax​ credits

See how much you can save.

As a small business, you could qualify to earn up to $16,500 in tax credits over a 3-year period by starting a qualified retirement plan with auto-enrollment.

Take advantage of federal tax credits of up to $16,500 that cover the first three years of your small business 401(k) plan with auto-enrollment1. These credits remove financial barriers and increase confidence and peace of mind for small business owners. Plus, you can qualify for even more tax credits by contributing to your employees' retirement plan!

Do you already have a 401(k) plan that was started before 2019?

May not be eligible for start-up credit if plan is more than 3 years old, but may still be eligible for $500 auto-enrollment credit.

How many employees do you have?

Cannot exceed 100 employees to be eligible for credit.

How many non-owner employees were paid less than $150,000 last year?

Please enter a number less than your total employee count.

IRS guidelines require your plan to have at least one plan participant who was a non-highly compensated employee for it to qualify for the credit.

Ubiquity 401(k) Plan

Would you like to learn more about matching tax credits?

1. Please refer to Important Information for details

Ubiquity is the #1 Ranked 401(k) Provider Highest Customer Satisfaction in the Industry3

Provider

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Ubiquity

4.3/5*

4.6/5

4.5/5

Potentially End Up With Over $139,539 More Money With a Ubiquity 401(k)

Ubiquity Flat Fee versus 401k CalSavers chart
It’s hard to believe, but it’s true. Ubiquity has only flat fees that do not cost you more as your ​retirement savings grow. But with CA’s state plan,​ your fee will get bigger and bigger as your retirement​ balance grows over the years. Over 30 years, you could end up with $139,539 more if you use the Ubiquity 401(k) plan vs. CA’s state plan4. The better plan is clear — the Ubiquity 401(k)!

Let’s look at the following example:
Jennifer and Joshua each have retirement plans that they contribute $6,000 to every year. Jennifer’s plan is with Ubiquity Retirement + Savings and her fees are flat $6/month. Joshua’s plan is with CalSavers and his annual asset based % fee is 0.825%.

It grows an average of 10% every year. At the end of 30 years, Jennifer’s account is worth $1,088,436, and she has paid fees of $16,146 with her Ubiquity 401(k).

Joshua’s account is only worth $948,897 and he has paid fees of $72,362. Don’t be like Joshua — keep your money. Ubiquity’s flat fees could help you end up with over $139,539 more money over 30 years vs. CA CalSavers IRA4

Get a Fast, No-Obligation Quote Today!

Answer a few simple questions to find the optimal plan for you and your small business.

How many employees do you have?
I am a sole proprietor
(just me/or my business partner/spouse)

Or schedule a free consultation with a retirement specialist.

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

​You can either choose the state plan with limited options or you can choose the better plan, the one thousands of your fellow California small business owners have chosen: the Ubiquity 401(k).

Typical State IRA

Ubiquity 401(k)

Maximum employee annual contribution amount

$6,500

$23,000*

Additional annual employer contribution limit

Not offered

Yes, up to an additional $46,000**

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

No

Yes

Flexible auto-enrollment and vesting schedules

No

Yes

Investment guidance based on individual risk tolerance

No

Yes

Employee enrollment meetings and education

No

Yes

Customizable investment lineups

No

Yes

Auto-enrollment and escalation

Required at mandated levels

Optional and flexible

* This limit is subject to cost-of-living increases for later years.

** Eligible employers may be able to claim a tax credit of up to $5,000, for three years, for ordinary and necessary costs of starting a 401(k) plan. IRS’ qualifying factors are: you had 100 or fewer employees who received at least $5,000 in compensation from you in the preceding year, you had at least one participant who was a non-highly compensated employee (NHCE) and in the three tax years before the first year you’re eligible for the credit, your employees were substantially the same employees who received contributions or accrued benefits in another plan sponsored by you, a member of a controlled group that includes you, or a predecessor of either. Those plans with automatic enrollment can claim a tax credit of $500 per year for a 3 year taxable period.

Fast Facts on the California Retirement Mandate

The state plan vs Ubiquity 401(k)

Session One

California Retirement Plans - What do you do?

Session Two

Choose a Better Path to Savings

maximum savings contribution UbiquityStart your Ubiquity 401(k) today.

Call toll-free 866.240.5167 to get started.

1 Decimal, Inc. charges flat fees for recordkeeping and administrative services. Third-party service providers may assess asset-based fees to customers. We advise Plan Sponsors to review all service agreements with providers, such as investment advisors, custodians, and broker-dealers, to evaluate the total cost of the plan.

2 Eligible employers may be able to claim a tax credit of up to $5,000, for three years, for ordinary and necessary costs of starting a 401(k) plan. IRS’ qualifying factors are: you had 100 or fewer employees who received at least $5,000 in compensation from you in the preceding year, you had at least one participant who was a non-highly compensated employee (NHCE) and in the three tax years before the first year you’re eligible for the credit, your employees were substantially the same employees who received contributions or accrued benefits in another plan sponsored by you, a member of a controlled group that includes you, or a predecessor of either. Those plans with automatic enrollment can claim a tax credit of $500 per year for a 3 year taxable period.

3 Decimal, Inc. conducted an evaluation of four small-business 401(k) providers in the marketplace by analyzing independent customer reviews on Google, Trustpilot, and the Better Business Bureau, as reported by unaffiliated contributors on or before September 30, 2022, with a revaluation date of January 12, 2023. The evaluation resulted in a higher score for our company compared to the other providers. We strive to provide excellent service to our customers and appreciate their feedback. Google ratings for Ubiquity Retirement + Savings products and services are determined by customer reviews. The rating calculation methodology is available here. The rates shown were last updated on January 12, 2023, and are based on reviews from 2014 to 2023.

4 This calculation assumes the following scenario: Jennifer and Joshua each have retirement plans that they contribute $6,000 to every year. Jennifer’s plan is with Ubiquity Retirement + Savings and her fees are flat $6/month. Joshua’s plan is with CalSavers and his annual asset based % fee is 0.825%.It grows an average of 10% every year.

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© 2024 Ubiquity Retirement + Savings
44 Montgomery Street, Suite 300
San Francisco, CA 94104

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Talk to Sales
Schedule a Free Consultation

Contact Support
Visit our Help Center
support@myubiquity.com
Monday–Friday
6am–5pm PT / 9am–8pm ET

© 2024 Ubiquity Retirement + Savings
44 Montgomery Street, Suite 300
San Francisco, CA 94104