A Ubiquity Small Business 401(k) enables:
(*Up to $5,000 per year, plus an additional $500 per year for automatic enrollment for the first 3 years)
We’ve spent 20 years dedicated to small business retirement success. Call 866.634.6116 or schedule a free consultation with a retirement specialist.
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Oregon is the first of many states to launch a retirement savings initiative that mandates all businesses offer a qualified retirement plan. Over the course of a three-year rollout, 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.
Employer Size Registration Deadline 50-99 Employees May 2018 20-49 Employees December 2018 10-19 Employees May 2019 5-9 Employees November 15, 2019 0-4 Employees May 15, 2020
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:
OregonSaves IRA
Ubiquity 401(k)
Maximum employee annual contribution amount
$6,000
$19,500
Total annual contribution limit (e.g. employer match, Roth contribution)
None
Yes, up to an additional $38,500
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
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 401(k), 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 401(k) 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 sales@myubiquity.com
© 2021 Ubiquity Retirement + Savings
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44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357
© 2021 Ubiquity Retirement + Savings
Privacy Policy
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357
