Do Better than the California CalSavers Retirement Plan

Choose the better path to savings with a Ubiquity 401(k)

  • Flat fee structure (End up with over $139,539 more with us over 30 years)¹
  • Easy plug-n-play payroll integration
  • Higher savings limit of $22,500*
  • Up to $16,500 tax credit for you**
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You will owe $250 per eligible employee in penalties if you don't act now.

Trust the only small business 401(k) provider ranked #1 on Google. Call toll-free 866.240.5167 or schedule a free consultation with a retirement specialist.

Why Thousands of CA Small Businesses Choose Ubiquity​

  1. Flat fee structure (end up with over $139,539 more with us over 30 years)¹​
  2. #1 ranked small business 401(k) provider on Google​
  3. Best-in-class 5-star Google Reviews​
  4. Save tens of thousands in fees vs CA state plan

Only Ubiquity offers all 4.
You and your employees deserve the best — and you deserve the best no hidden fee pricing. Make sure you don’t get ripped off. Say NO to asset management-based fees – also known as employee pricing. It’s why thousands of CA small businesses choose Ubiquity. Over the course of 30 years, the Ubiquity 401(k) can save you tens of thousands of dollars.

Ubiquity is the #1 Ranked 401(k) Provider Highest Customer Satisfaction in the Industry²

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Ubiquity

4.3/51

4.7/5

4.5/5

Get a Fast, No-Obligation Quote Today!

How much will you pay for 401(k)? Get an instant quote.

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 Ubiquity 401(k) Saves you Tens of Thousands over the CA State Plan

The CA state plan can charge close to a 1.00% fee on your money in the plan. That means as your plan grows over time, the % fee is charged on a larger and larger amount. Simply put, this means the larger the retirement balance grows, the larger the fee grows. That means less money for your retirement.

The Ubiquity 401(k) plan is different. We charge you a flat fee that never charges no matter how big your retirement balance grows. That means as your retirement balance grows over the years you still only pay the low flat-fee. The fee does not increase or get bigger the larger your retirement balance grows. In fact if you choose the Ubiquity 401(k) plan you could end up with over $139,539 more money over 30 years¹!

Los Angeles California

Why You Need to Act Now

You are at risk of significant additional penalties if you do not enroll your employees in a retirement plan. Your penalty could be up to $250 per eligible employee if noncompliance extends 90 days or more.

All California businesses with over 5 employees are required by state law to implement a retirement plan​ for their employees (California Government Code 1000000-100050).​

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

Call us for a free, no obligation small business 401(k) consultation:

866.240.5167

See Why the Ubiquity 401(k) Beats the CA State Plan

Sure, you could choose the limited, state option called CalSavers, but​ here’s why the Ubiquity 401(k) ​is a better option for you and why so many of your fellow small-business owners have chosen it. ​

Typical State IRA

Ubiquity 401(k)

Maximum employee annual contribution amount

$6,500

$22,500¹

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

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

RIP OFF ALERT: Beware of asset-based fees or “employee pricing” – this is a sign you’re about to be ripped off! 

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

Potentially End Up With Over $139,539 More Money With a Ubiquity 401(k)¹

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. the CA state plan¹.

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.

Ubiquity’s flat fees could help you end up with $139,539 more over 30 years vs. CalSavers IRA¹.

Fast Facts on the California Retirement Mandate: Session One

Choose a Better Path to Savings

maximum savings contribution UbiquityAvoid additional penalties.

Call toll-free 866.240.5167 to get started.

*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.

¹ 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. 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.Ubiquity’s flat fees could help you end up with $139,539 more over 30 years vs. CalSavers IRA¹.

² Information is based on Google reviews as of September 30, 2022.

³ This percentage is based on surveys sent by Ubiquity Retirement + Savings and completed by clients of Ubiquity Retirement + Savings using specific product types.

© 2023 Ubiquity Retirement + Savings
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44 Montgomery Street, Suite 3060
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 3060
San Francisco, CA 94104
Support: 855.401.4357

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