Empower your small business with an affordable and effective Ubiquity 401(k) plan.

    401(k) Plans Designed with You in Mind

    Ubiquity Retirement + Savings provides affordable 401(k) plans, designed for small businesses. Ubiquity streamlines administration and management of your retirement plan including compliance testing and APEX payroll integration. Since 1999, Ubiquity has helped individuals save more than $2.25 billion in retirement contributions and opened retirement plans for 7,000+ small businesses—pioneering transparent, flat-fee, customizable plans for this historically underserved community. We help our clients take advantage of SECURE Act tax benefits, and features like Safe Harbor, 401(k) matching, Roth and pretax contributions, automatic enrollment, and financial wellness education for their employees.

    Look to the future with a plan designed just for you, starting at just $90 per month. With a Ubiquity 401(k) and APEX payroll integration you can:
    • Spend more time doing what you do best–running your business instead of administering your plan.
    • Experience low-cost savings with transparent, flat fees-that don’t change with your account balance
    • Receive up to $16,500 in tax credits over three years when you open a 401(k) (Up to $5,000 per year, plus and additional $500 per year for automatic enrollment for the first 3 years).

    Less Business as Usual, More Shaking Up the Status Quo

    You want to focus on driving innovation, not employee turnover and administrative hassles. With our streamlined, affordable low-maintenance 401(k) plans, we empower small businesses to easily offer a benefit that attracts and retains top talent, and in tandem offers a great tax benefit.

    Keep what's yours with Ubiquity's affordable, flat fee 401(k) plans. Schedule a consultation with a retirement expert to learn more.
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    • We make government compliance easier
      Think of Ubiquity as your retirement concierge. We provide electronic participant statements; tax filing and plan document preparation; participant disclosures; annual plan notifications; IRS testing and monitoring; and eligibility notices.
    • Flexible, low-cost investment options
      Our competitors provide investment choices in which they may have a vested interest. We don’t. Ubiquity gives you investment flexibility if you want it, guidance if you need it. This investment strategy, combined with our affordable flat fees, provides the opportunity for greater savings over the long term.
    • Technology and service features
      Our intuitive technology keeps you within the guard rails of your plan, safeguarding you against errors from any manual inputs. We use technology to make life simpler, but a dedicated support team is just a phone call away if you need it.
    • Payroll Integration
      Partner integration services with Rippling allow clients to spend more time doing what they do best–running their businesses instead of administering their plans.

    More than a decade of awards and recognition:

    • Awarded INC 5000 fastest-growing private companies in America for 11 years in a row
    • SF Business Times’ 100 Fastest-Growing Bay Area Private Companies
    • Fortune Inner City 100, a list of the fastest-growing inner city businesses in the U.S.
    • San Francisco Business Times Top 50 FinTech companies
    • SOC 1 Compliant