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Oregon Saves Alternative: Ubiquity Small Business 401(k)

A Ubiquity Small Business 401(k) enables:

  • A maximum contribution amount of $20,500 (over 3x higher than the OregonSaves IRA)
  • An additional annual employer contribution limit of $40,500 (not available with OregonSaves IRA)
  • Transparent, flat fees that don't change with your account balance (while OregonSaves' asset-based fees grow with your savings)
  • Receive up to $16,500 in tax credits over three years when you open a 401(k).*

    (*Up to $5,000 per year, plus an additional $500 per year for automatic enrollment for the first 3 years)

Empower your future with an affordable, customized retirement solution.

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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Small Business Retirement Planning in Oregon

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

We’ve got the best alternative. Ubiquity Retirement + Savings™ delivers affordable and robust 401(k) plans for all small businesses—for less than the state-run option.

How does OregonSaves’ IRA offerings stack up to our most common small business retirement plan?

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



Total annual contribution limit (e.g. employer match, Roth contribution)


Yes, up to an additional $40,500

Flat fees that don’t change based on savings amount



$15,000 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.

Small Business Retirement with Ubiquity Retirement + Savings

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. 

401(k) plans offer a great tax saving benefit. But it’s also challenging and oftentimes small businesses don’t have the time or the budget.

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:

  • Maximize your contributions
  • Provide a valuable benefit to your workforce and retain talent
  • Deduct your contributions as a business expense
Download Now

Choose a better path to savings

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

© 2022 Ubiquity Retirement + Savings
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44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

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© 2022 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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