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Financial Advisors for Small Business 401(k)

Easy 401(k) plan setup and dedicated expert support since 1999. A Ubiquity Retirement + Savings™ 401(k) enables your small business clients to:

  • Maximize their tax savings
  • Lower their taxable income
  • Integrate payroll and automate their plan administration
  • Attract and retain valuable employees
  • 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)

True Open Architecture. Easy plan setup. Dedicated advisor support team.

Get the right 401(k) for your small business client.
Call 866.634.6116 or schedule a free consultation with Ubiquity's Partnership team to learn more.

Schedule a Free Consultation

Partner with Ubiquity and help your small business, start-up, and solopreneur clients get the right 401(k) plan that fits their needs.

  • You choose your level of involvement: you decide how hands-on you want to be with your client, we will provide the rest.
  • Easy online setup and management: we can take care of enrollment meeting, employer training and saver education.
  • Compliance support: our team of compliance experts performs annual nondiscrimination testing and assists with 5500 form filing.
  • Fully bundled or custom: we offer solutions based on your investment strategy.

Meet your clients’ growing need for small business retirement savings

As a financial advisor, you maintain a laser focus on helping your clients build and grow wealth. However, what do you do when clients with small businesses want the tax advantages of a 401(k) for themselves and their employees?

You could take on the job yourself at a significant cost in time, resources and training. Alternatively, you could look to an institutional 401(k) provider—but most only offer plans designed for large enterprises, with features that small businesses do not need, and at prices, they cannot afford.

Ubiquity Retirement + Savings™, the original low-cost, flat-fee 401(k) plan provider, offers the industry’s only advisor-centric, low-cost 401(k) solution designed specifically for the startup and small business segment. Grow your revenues by delivering industry-leading small business retirement savings. We handle the record-keeping, compliance, administration and servicing, while you reap the rewards—all at zero cost to you.

Capitalize on the growing need for small business 401(k)

Of the more than five million small businesses with fewer than 100 employees in the United States, just 14%, or roughly 735,000, currently sponsor a retirement plan.

That leaves over four million small businesses and their employees without access.

Percentage of small businesses by size, offering a retirement plan:

1-4 employees


5-11 employees


12-25 employees


25-100 employees


More small business customers are ready to capitalize on the advantages of 401(k) retirement savings—and they are looking to their financial advisors to help them get started. Fortunately, you do not have to take on the massive task of establishing and servicing a new, highly regulated line of business.

Ubiquity can seamlessly integrate our industry-leading 401(k) plan solutions into your existing platform and portfolio—with minimal effort, and zero cost to you.

Associates in tire factory.
“I have been using their online recordkeeping system for a few years now and they got it right. The simplicity of the system allows Participants, Plan Sponsors and Advisers the information they need right at their fingertips in a clean modern view. Built with an easy flat fee pricing model makes billing easy and understandable! By focusing on the right information, they have organized a system that just works for everyone.”
- Rone J. Davis, AIF®, CLU®, ChFC®, MSFS Chief Investment Officer, Daviman Financial LLC,

Seamless 401(k) solutions for small business clients

Ubiquity makes it easy for financial advisors to bring low-cost, flat-fee retirement savings to startup and small business clients.

You can deliver retirement plans designed from the ground up specifically for the underserved and budget-conscientious small business customer. We provide the insights, resources, and state-of-the-art technology platform to grow your business. You reap the rewards of offering a one-stop shop for all of your small business clients’ financial management needs—without shouldering the time, costs and risk of managing their 401(k) plans yourself.

“I am a new plan sponsor for my employer with Ubiquity. The friendliness of customer support was outstanding. So far, I am very impressed with Ubiquity! ”

- Alan D.

We do the work, you reap the rewards

For financial advisors, expanding into small business 401(k) plans means taking on a considerable amount of new work and risk.

Combine training, client sales calls, crafting investment lineups, establishing plans, tracking down participants for enrollments, answering complex questions—not to mention a massive amount of record-keeping, all under rigorous regulatory standards—and most advisors are effectively looking at a new full-time job.

With Ubiquity, you can direct clients to our platform, and our small business retirement experts handle the rest, including sales, service, enrollment, recordkeeping, administration, and compliance. That being said, you can also choose to be as involved as you like in the process with your clients. Your clients get industry-leading low-cost retirement savings with dedicated support from our U.S.-based servicing teams every step of the way. Meanwhile, you can focus on maximizing the rest of your clients’ portfolios and growing your business.

Close the 401(k) product gap

With Ubiquity’s turnkey solution, your startup and small business clients can access the industry’s leading low-cost 401(k) platform.

Our 401(k) plans are designed and priced for small businesses with under 100 employees, micro-small accounts with under 25 employees, and even sole proprietor accounts. Our flat-fee, zero-asset-minimum solutions have already helped hundreds of thousands of people save more than $2 billion towards their retirement.

Deliver an integrated 401(k) solution—in minutes

Using our proprietary Paradigm™ software-as-a-service (SaaS) platform, you can offer affordable, Department of Labor (DOL)-compliant 401(k) plans that fully integrate with your existing platform.

We can exclusively provide your investment line-up to grow your referral revenues and deliver a single, consistent client experience under your brand, with little or no effort from your team. The best part: with our industry-leading proprietary platform, your clients can get new 401(k) plans up and running in an average of just 15 minutes.

401(k) expertise you can trust

As a highly regulated fiduciary process, every step we take is subject to significant scrutiny. Choose a partner with substandard processes or technology—and you could be exposing your business to significant risk.

Ubiquity has a proven, fully-owned proprietary technology platform and a 20-year track record of profitably serving the small business 401(k) market. If you are considering bringing new 401(k) options to your clients, trust the longtime industry leader in flat-fee small business retirement savings.

Start here to set up a plan with Ubiquity.
Get started

Proprietary platform makes small business 401(k) simple

At the core of Ubiquity’s small business 401(k) is our proprietary Paradigm SaaS platform.

It provides a state-of-the-art, consumer- and mobile-friendly experience designed specifically for small businesses. Instead of spending weeks coordinating all the parties involved in a 401(k), your clients can establish a plan in minutes. Moreover, through our open API, we can integrate a wide range of payroll, Human Capital Management (HCM), benefits administration and other partner platforms. Deliver a full-service, dedicated small business customer experience under your brand—all pre-integrated and fully supported by Ubiquity.

Partner with the industry leader in small business retirement

Ubiquity has been providing low-cost, flat-fee retirement plans to small, micro-small, and sole-proprietor businesses since 1999.

With over two decades of experience delivering small business customers the industry’s only proprietary digital enrollment and recordkeeping platform, we lead the industry in small business 401(k) plans. Let us help you bring the full spectrum of financial and retirement solutions to your small business clients and grow your revenues—without the risk and hassle, at zero cost to you.

© 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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© 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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