A Ubiquity Small Business 401(k) enables:
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.
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.
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
Or schedule a free consultation with a retirement specialist.
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
$22,500*
Additional annual employer contribution limit
Not offered
Yes, up to an additional $43,500**
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.
Start 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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44 Montgomery Street, Suite 300
San Francisco, CA 94104
© 2023 Ubiquity Retirement + Savings
Privacy Policy
44 Montgomery Street, Suite 300
San Francisco, CA 94104