Oregon is the first of many states to launch a retirement savings initiative that mandates all businesses offer a qualified retirement plan. Businesses must choose either the high-cost, state-provided, automatic Individual Retirement Account (IRA) option or enroll in an eligible plan with a private provider.
We’ve spent 19 years dedicated solely to small business retirement success.
Our experts make it easy to customize a solution that empowers your future.
A 401(k) solution provides employers with the opportunity to maximize their contributions and help their employees save for the future. With a 401(k) plan you can contribute 3 times more than with an IRA:
State offered IRA
Maximum employee annual contribution amount
Total annual contribution limit (e.g. employer match, Roth contribution)
Yes, up to an additional $36,500
Flat fees that don’t change based on savings amount
$500 credit to offset setup costs1
Flexible auto-enrollment and vesting schedules
Investment guidance based on individual risk tolerance
1 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.
So why not opt for the smarter option? If you’re looking for the greatest maximum savings potential and tax benefit, Ubiquity provides flat-fee and low-cost retirement plans, all delivered online. Ubiquity was one of the first flat-fee retirement plan providers in the nation, delivering peace-of-mind through transparency. 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.
That’s why Ubiquity created this Definitive Guide to Small Business 401k, 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 401k guide, you’ll learn everything you need to know about how to:
Want to know more about Oregon’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 firstname.lastname@example.org