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Get a 401(k) with low, flat fees and #1-ranked service — Only with Ubiquity Retirement + Savings1,2
Top 5 Reasons We're the #1 Rated 401(k) Provider to Small Businesses
Low flat-fees that don’t increase as your retirement balance grows
No fees charged as a percentage of your assets
Top rated customer service across Google reviews, Trust Pilot and BBB
Easy to administer – from compliance to plug-n-play payroll integration so you can focus on running your business
Access to 30k+ mutual funds, ETFs and ERISA 3(38) plans
Ubiquity is the #1 ranked 401(k) provider
Highest customer satisfaction in the industry.
Save Even More with Secure 2.0 Federal Legislation3
Up to $16,500 in tax credits virtually pay for 100% of new 401(k) start up costs for first three years
See what other small business owners say
| “As a small business, it was important for us to find an affordable and responsive company to administer our retirement platform. Not only do we appreciate the reasonable and transparent fees, we have received great customer service, a user friendly web-platform, and a competitive retirement option for our employees.” |
- Jennifer M. Patronski
|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 a better evaluation, for four similar small-business 401(k) providers in the marketplace.|
2 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.
3 Eligible employers may be able to claim a tax credit of up to $5,000, for three years, for ordinary and necessary costs of starting a 401(k) plan. IRS’ qualifying factors are: 100% for those with 50 or fewer employees, 50% for those with 100 - 50 employees who received at least $5,000 in compensation from you in the preceding year, you had at least one participant who was a non-highly compensated employee (NHCE) and in the three tax years before the first year you’re eligible for the credit, your employees were substantially the same employees who received contributions or accrued benefits in another plan sponsored by you, a member of a controlled group that includes you, or a predecessor of either. Those plans with automatic enrollment can claim a tax credit of $500 per year for a 3 year taxable period.