Speak with an agent: 415-914-0725

ACTA members get a 401(k) with low, flat fees and #1-ranked service
only with Ubiquity Retirement + Savings1,2

ACTA members: please fill in your information below for a Ubiquity Retirement Plan Consultant to assist you.








3 Reasons to Offer a 401(k)

The California Secure Choice Retirement Savings Trust Act requires all employers with five or more employees to offer a retirement savings plan. Failure to comply with this law may result in fines up to $750 per employee and referral to the California Franchise Tax Board for further enforcement action.  

The good news is that implementing a 401(k) not only ensures compliance with the law, but can also bring your business numerous advantages and showcase your commitment to your employees’ financial well-being. Here are some of the benefits of offering a 401(k) plan:
1. Tax Credits: You may be eligible to receive up to $16,500 in tax credits over three years. Additionally, there are multi-year tax credits of up to $50,000 available for providing employee contributions each year.

2. Personal Retirement Savings: As a business owner, you can contribute up to $66,000 each year toward your own retirement savings.

3. Attract and Retain Top Talent: A 401(k) plan is a highly desirable benefit that gives your business a competitive edge. It demonstrates your commitment to the long-term financial security of your employees and sets you apart from competitors.  

To assist our members in complying with this law, ACTA has partnered with Ubiquity Retirement & Savings®.

Through our partnership with Ubiquity, we can offer
exclusive member discounts of at least $125 per year AND
a 50% discount on your initial setup fee (a $250 value).

Top 5 Reasons We're the #1 Rated 401(k) Provider to Small Businesses

  1. Low flat fees that don’t increase as your retirement balance grows
  2. No fees charged as a percentage of your assets
  3. Top rated customer service across Google reviews, Trustpilot, and BBB
  4. Easy to administer – from compliance to plug-n-play payroll integration so you can focus on running your business
  5. Access to 30k+ mutual funds, ETFs, and ERISA 3(38) plans

Ubiquity is the #1 ranked 401(k) provider with the
highest customer satisfaction in the industry

4.3/5

4.5/5

4.5/5

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
1 An 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.