Ubiquity 401(k) Pricing vs.
Vestwell Pricing

End up with $109,338 more
with Ubiquity

Vestwell pricing vs Ubiquity flat fee pricing

Ubiquity Retirement + Savings® is the only firm ranked #1 401(k) provider on Google with 95% customer satisfaction!¹. We’ve got your back and we’re going to show you what’s going on behind the 401(k) curtain. The following pricing information compares our plans versus a typical plan offered by Vestwell — and is what Vestwell does not want you to read.

Our competitors are hiding extra fees in plain sight by making them sound ordinary or innocent. A great example of this is a fee called employee pricing. Sounds innocent enough, right?

But this employee pricing is really a fee based on the total amount of money in your account, a percentage fee. Which means the fee you pay gets bigger as your money grows…which it likely will do, based on how the stock market has performed historically over a 20-30-40-year time period.

In industry jargon, an employee pricing percentage-based fee is really an asset under management (AUM) fee in sheep’s clothing. And it can erode your nest egg in a sneaky way.

Doesn’t sound so friendly and innocent now, does it?

End up with $109,338 more money with Ubiquity vs. Vestwell pricing after 30 years

Let’s look at an example of why percentage-based pricing eats into your 401(k) balance over time – so that at the end of 20, 30, or 40 years, you have less money than you would have if you were able to avoid this fee.

Jennifer and Joshua each have 401(k)s with a value of $50,000. Jennifer’s plan is with Ubiquity Retirement + Savings and her fees are flat $6/month with an investment expense fee of 0.17%. Joshua’s plan is a percentage fee-based account, and his annual employee pricing percentage-based fee is 0.50% with an investment expense fee of 0.17%.

Assuming they don’t contribute another penny to the account, and it grows an average of 10% every year, at the end of 30 years, Jennifer’s Ubiquity account is worth $823,470, with fees of just $14,142.

But Joshua’s account is only worth $714,132 with fees of $50,217.

Ubiquity’s flat fees could help you end up with $109,338 more over 30 years vs. a plan that charges percentage-based fees.

Your bottom line: You’ll end up with $105,172 more with Ubiquity over 30 years

The answer is clear. Flat fees don’t grow over time, unlike employee pricing percentage-based fees / asset under management fees. Be on the lookout for ANY percentage-based participant fees.² These types of fees get bigger the larger your account grows over time and take a bigger chunk out of your retirement money.

You work too hard to be gifting your 401(k) provider with tens or hundreds of thousands of dollars in fees over the life of your 401(k). So how can you prevent that?

How much will you pay for 401(k)? Get an instant quote.

How many employees do you have?

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(just me/or my business partner/spouse)

Or schedule a free consultation with a retirement specialist.

How do I avoid employee pricing fees?

Ubiquity’s top 5 ways to avoid %-based fees:

Make sure you choose a 401(k) provider that only charges a flat fee
Ask up front if they charge employee pricing
Ask your HR benefits administrator, financial advisor, plan sponsor, or third-party administrator if you’re being charged employee pricing (aka assets under management fees)
Advocate for yourself and get them to switch to a 401(k) provider who disavows those fees. We’ve heard it said—no one is going to love you as much as you love yourself, so you’ve got to stick up for yourself and save yourself as much money in fees as possible
Save yourself the time and headache by starting with Ubiquity from the get-go. You’ll avoid employee pricing / AUM fees and have more of your money working for you vs. going into the pocket of your 401(k) provider

Call Ubiquity retirement experts toll-free at 866-320-8556
to make sure you don’t get ripped off today.

¹An evaluation has been conducted by Decimal, Inc. through its research of independent customer reviews on Google, Trustpilot, and the Better Business Bureau as reported by unaffiliated contributors on or before September 30, 2022, with a revaluation date on January 12, 2023, resulting in an updated evaluation, for four similar small-business 401(k) providers in the marketplace.
² These fees are separate and different from investment management fees.

Flat fees are charged by Decimal, Inc. for recordkeeping and administrative services. Third-party service providers may assess asset-based fees to customers. Plan Sponsors are advised to review all service agreements with providers (e.g., investment advisors, custodians, broker-dealers) to evaluate total plan costs.

*Jennifer and Joshua each have 401(k)s with a value of $50,000. Jennifer’s plan is with Ubiquity Retirement + Savings and her fees are flat $6/month with an investment expense fee of 0.17%. Joshua’s plan is a percentage fee-based account, and his annual employee pricing percentage-based fee is 0.50% with an investment expense fee of 0.17%.
Assuming they don’t contribute another penny to the account, and it grows an average of 10% every year, at the end of 30 years, Jennifer’s Ubiquity account is worth $823,470, with fees of just $14,142. But Joshua’s account is only worth $714,132 with fees of $50,217. Ubiquity’s flat fees could help you end up with $109,338 more over 30 years vs. a plan that charges percentage-based fees.

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Ubiquity 401(k) Pricing vs. Vestwell Pricing

End up with $109,338 more with Ubiquity