A Ubiquity Small Business 401(k) enables:
Trust the only small business 401(k) provider ranked #1 in Google reviews.
Call 855.912.6904 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.
Provider
Ubiquity
4.3/5*
4.6/5
4.5/5
It’s hard to believe, but it’s true. Ubiquity charges only flat fees that don’t cost you more as your retirement savings grows. But with the OregonSaves plan, your fee will get bigger and bigger as your retirement balance grows over the years. Over 30 years, you could end up with over $13,385 more money with us vs. using the Oregon 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 Oregon Saves and his annual asset based % fee is 0.25% plus $6/year.
It grows an average of 10% every year. At the end of 30 years, Jennifer’s account is worth $1,088,436, with fees of $16,146 with her Ubiquity 401(k).
Joshua’s account is only worth $1,075,051, with fees of $23,992. Don’t be like Joshua — keep your money. Ubiquity’s flat fees could help you end up with over $13,385 more money over 30 years vs. the Oregon Saves 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 Oregon small business owners have chosen: the Ubiquity 401(k).
OregonSaves IRA
Ubiquity 401(k)
Maximum employee annual contribution amount
$6,500
$22,500*
Total annual contribution limit (e.g. employer match, Roth contribution)
None
Yes, up to an additional $43,500**
Flat fees that don’t change based on savings amount
No
Yes
$15,000 credit to offset setup costs1
No
Yes
Flexible auto-enrollment and vesting schedules
No
Yes
Investment guidance based on individual risk tolerance
No
Yes
* 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 855.912.6904 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 Oregon Saves and his annual asset based % fee is 0.25% plus $6/year. It grows an average of 10% every year.
© 2023 Ubiquity Retirement + Savings
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44 Montgomery Street, Suite 300
San Francisco, CA 94104
Support: 855.401.4357
© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 300
San Francisco, CA 94104
Support: 855.401.4357