# Gusto 401(k) vs Ubiquity Retirement Comparison

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## Frequently Asked Questions

### What is the difference between Gusto 401(k) vs Ubiquity Retirement?

Gusto 401(k) stands out for its higher G2 rating, larger review volume, and stronger Ease of Setup and Quality of Support scores compared to Ubiquity Retirement.

| | [Gusto 401(k)](https://www.g2.com/products/gusto-401-k/reviews) | [Ubiquity Retirement](https://www.g2.com/products/ubiquity-retirement/reviews) |
| --- | --- | --- |
| G2 Rating (reviews) | 4.5/5 (1,156 reviews) | 4.3/5 (60 reviews) |
| Largest Segment | Small-Business | Small-Business |
| Ease of Setup score | 9.2 | 8.9 |
| Quality of Support score | 8.7 | 8.5 |
| Top Reviewer-Cited Strength | Ease of Use (144 all-time mentions) | Ease of Use (16 all-time mentions) |



### How do the pricing models of Gusto 401(k) and Ubiquity Retirement compare?

Gusto 401(k) is rated higher for price satisfaction, indicating reviewers consider it the stronger value compared to Ubiquity Retirement.

- **Gusto 401(k):** In recent reviews, many cite affordable pricing and transparent fees as a key benefit, though some mention recent fee increases.
- **Ubiquity Retirement:** Reviewers describe competitive, flat-fee pricing and cost savings, with several highlighting affordability for small businesses.
- **Switching reasons:** Recent reviews for both products mention switching to reduce administrative burden and lower costs, with Gusto 401(k) often chosen for its payroll integration and automation.



### What are the best alternatives to Gusto 401(k) and Ubiquity Retirement?

The best alternatives to Gusto 401(k) and Ubiquity Retirement are Human Interest, Betterment at Work, and 401GO.

| Product | G2 Rating (reviews) | Largest Segment | Pricing Insight | Top Reviewer-Cited Strength |
| --- | --- | --- | --- | --- |
| [Gusto 401(k)](https://www.g2.com/products/gusto-401-k/reviews) | 4.5/5 (1,156 reviews) | Small-Business | Affordable pricing and transparent fees | Ease of Use (144 all-time mentions) |
| [Ubiquity Retirement](https://www.g2.com/products/ubiquity-retirement/reviews) | 4.3/5 (60 reviews) | Small-Business | Competitive flat-fee pricing | Ease of Use (16 all-time mentions) |
| [Human Interest](https://www.g2.com/products/human-interest/reviews) | 4.3/5 (2,447 reviews) | Small-Business | — | Ease of Use |
| [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) | 4.3/5 (709 reviews) | Small-Business | — | Investment Options |
| [401GO](https://www.g2.com/products/401go/reviews) | 4.8/5 (157 reviews) | Small-Business | — | Ease of Setup |



### Which 401(k) features should I prioritize when comparing Gusto 401(k) and Ubiquity Retirement?

Buyers should prioritize Ease of Use, Payroll Integration, Investment Options, Customer Support, and Pricing when comparing Gusto 401(k) and Ubiquity Retirement.

- **Ease of Use:** Gusto 401(k) (9.3), Ubiquity Retirement (8.9); 144 all-time mentions for Gusto 401(k), 16 for Ubiquity Retirement.
- **Payroll Integration:** Gusto 401(k) (54 all-time mentions), Ubiquity Retirement (3 all-time mentions).
- **Investment Options:** Gusto 401(k) (17 all-time mentions), Ubiquity Retirement (7 all-time mentions).
- **Customer Support:** Gusto 401(k) (70 all-time mentions), Ubiquity Retirement (9 all-time mentions).
- **Pricing:** Gusto 401(k) (17 all-time mentions), Ubiquity Retirement (3 all-time mentions).



### What are the pros and cons of Gusto 401(k) vs Ubiquity Retirement?

Gusto 401(k)'s headline strength is ease of use and payroll integration, while Ubiquity Retirement is praised for affordability and responsive support.

- **Gusto 401(k) strengths:** Ease of Use (144 all-time mentions), Easy Setup (106), Payroll Integration (54), Customer Support (70), Affordable (49), Automation (42), User Interface (35).
- **Gusto 401(k) trade-offs:** Recent reviews mention fee increases and a desire for more robust reporting and analysis tools.
- **Ubiquity Retirement strengths:** Ease of Use (16 all-time mentions), Simple (10), Customer Support (9), Affordable (3), Investment Options (7), Responsive Representatives (5).
- **Ubiquity Retirement trade-offs:** Reviewers note difficulty understanding some plan details, limited investment options, and occasional onboarding or setup issues.



### Is Gusto 401(k) or Ubiquity Retirement better for small businesses?

Gusto 401(k) is the stronger fit for small businesses, supported by its dominant small-business segment and extensive reviewer praise for ease of use and payroll integration.

- **Gusto 401(k):** Small-Business segment; reviewers consistently highlight easy setup, payroll integration, and automation as key benefits for small teams.
- **Ubiquity Retirement:** Small-Business segment; reviewers cite affordability and responsive support, with positive feedback on ease of use for small organizations.



### Which 401(k) platform has better integrations?

Gusto 401(k) is favored for integrations, especially with payroll providers.

- **Gusto 401(k):** Gusto integration is cited in 188 all-time reviews, with many recent reviewers highlighting payroll integration as a core benefit.
- **Ubiquity Retirement:** Gusto integration is mentioned in recent reviews, but with only 2 all-time mentions, indicating less frequent integration feedback.



### How do Gusto 401(k) and Ubiquity Retirement compare on customer support?

Gusto 401(k) and Ubiquity Retirement are rated nearly equally on Quality of Support, with Gusto 401(k) at 8.7 and Ubiquity Retirement at 8.5, indicating parity.

- **Gusto 401(k):** Reviewers frequently praise responsive and helpful customer support, with 70 all-time mentions.
- **Ubiquity Retirement:** Reviewers describe excellent, personalized support and quick response times, with 9 all-time mentions.



### Which is easier to implement, Gusto 401(k) or Ubiquity Retirement?

Gusto 401(k) is rated higher for Ease of Setup (9.2 vs 8.9), indicating it is easier to implement than Ubiquity Retirement.

- **Gusto 401(k):** Reviewers consistently describe setup as straightforward, quick, and easy, with 106 all-time mentions of easy setup.
- **Ubiquity Retirement:** Reviewers report a generally easy onboarding process, though some mention minor setup issues or confusion.



### Which product has better Employees?

Gusto 401(k) is more frequently cited for its Employees feature.

- **Gusto 401(k):** 22 all-time mentions for Small Business Support, 59 for 401k Management, and 33 for Easy Management, reflecting strong employee-focused capabilities.
- **Ubiquity Retirement:** 2 all-time mentions for 401k Management, with reviewers noting ease of use for employees and straightforward plan management.



| | Gusto 401(k) | Ubiquity Retirement | 
|---|---|---|
| **Star Rating** | 4.5 out of 5 | 4.3 out of 5 | 
| **Total Reviews** | 1,156 | 60 | 
| **Largest Market Segment** | Small-Business (89.6% of reviews) | Small-Business (80.6% of reviews) | 
| **Entry Level Price** | $49.00 49 per month + $6/mo per active participant Per Month | Starting at $19.00 Per Month | 

---
## Top Pros & Cons

### Gusto 401(k)

Pros:
- Ease of Use (144 reviews)
- Easy Setup (106 reviews)

Cons:
- Limited Investment Options (16 reviews)
- Limited Options (15 reviews)

### Ubiquity Retirement

Pros:
- Ease of Use (16 reviews)
- Simple (10 reviews)

Cons:
- Difficulty Understanding (5 reviews)
- Limited Options (3 reviews)

---
## Ratings Comparison
| Rating | Gusto 401(k) | Ubiquity Retirement | 
|---|---|---|
  | **Meets Requirements** | 9.2 (994 reviews) | 9.3 (27 reviews) | 
  | **Ease of Use** | 9.3 (1020 reviews) | 8.9 (52 reviews) | 
  | **Ease of Setup** | 9.2 (949 reviews) | 8.9 (27 reviews) | 
  | **Ease of Admin** | 9.3 (943 reviews) | 8.9 (19 reviews) | 
  | **Quality of Support** | 8.7 (877 reviews) | 8.5 (28 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.1 (932 reviews) | 9.0 (19 reviews) | 
  | **Product Direction (% positive)** | 8.5 (974 reviews) | 8.3 (27 reviews) | 

---
## Pricing

### Gusto 401(k)

#### Entry-Level Pricing

Plan: Starter

Price: $49.00 49 per month + $6/mo per active participant Per Month

Description: A simplified 401(k) with limited features and easy administration.

Key Features:
- $6,000 employee contribution limit*****
- No employer contributions
- Exempt from IRS testing

[Browse all 3 editions](https://www.g2.com/products/gusto-401-k/pricing)

#### Free Trial

No

### Ubiquity Retirement

#### Entry-Level Pricing

Plan: Single(k)

Price: Starting at $19.00 Per Month

Description: A flexible solo 401(k) plan for businesses that have no other full-time employees besides the owner and their spouse or business partner. 

Key Features:
- Maximum of 2 people (business owner and business partner or spouse)
- Choose your own investments at a brokerage/custodian of your choice 
- Option to add Mega Backdoor Roth

[Browse all 5 editions](https://www.g2.com/products/ubiquity-retirement/pricing)

#### Free Trial

No

---
## Features Comparison By Category

### 401(k)

| Product | Score | Reviews |
|---|---|---|
| **Gusto 401(k)** | 8.8/10 | 890 |
| **Ubiquity Retirement** | 9.1/10 | 26 |

#### Onboarding

| Feature | Gusto 401(k) | Ubiquity Retirement | 
|---|---|---|
| **Administrators** | 8.8 (856 reviews) | 8.1 (21 reviews) | 
| **Employees** | 9.1 (870 reviews) | 9.0 (23 reviews) | 

#### Dashboard

| Feature | Gusto 401(k) | Ubiquity Retirement | 
|---|---|---|
| **Balances** | 9.1 (845 reviews) | 9.0 (21 reviews) | 
| **Investments** | 8.8 (840 reviews) | 9.3 (22 reviews) | 
| **Personal Information** | 9.0 (830 reviews) | 9.2 (20 reviews) | 

#### Compliance

| Feature | Gusto 401(k) | Ubiquity Retirement | 
|---|---|---|
| **IRS** | 9.2 (796 reviews) | 9.4 (21 reviews) | 
| **Tax Benefits** | 9.1 (804 reviews) | 9.3 (19 reviews) | 

#### Administration

| Feature | Gusto 401(k) | Ubiquity Retirement | 
|---|---|---|
| **Monitoring** | 9.0 (813 reviews) | 9.6 (20 reviews) | 
| **Reporting** | 8.9 (820 reviews) | 9.5 (21 reviews) | 

#### Generative AI

| Feature | Gusto 401(k) | Ubiquity Retirement | 
|---|---|---|
| **AI Image-to-Text** | 6.8 (366 reviews) | 8.6 (7 reviews) | 

---
## Categories
**Shared Categories (1):** [401(k) Software](https://www.g2.com/categories/401-k)




---
## Reviewer Demographics

### By Company Size

| Segment | Gusto 401(k) | Ubiquity Retirement | 
|---|---|---|
| **Small-Business** | 89.6% | 80.6% | 
| **Mid-Market** | 10.4% | 19.4% | 
| **Enterprise** | 0% | 0% | 

### By Industry

#### Gusto 401(k)

- **Computer Software:** 9.9%
- **Information Technology and Services:** 6.5%
- **Accounting:** 6.3%
- **Marketing and Advertising:** 4.9%
- **Financial Services:** 4.3%
- **Hospital & Health Care:** 4.3%
- **Construction:** 4.2%
- **Non-Profit Organization Management:** 3.9%
- **Legal Services:** 3.8%
- **Consulting:** 3.7%
- **Other:** 48.1%

#### Ubiquity Retirement

- **Information Technology and Services:** 12.1%
- **Accounting:** 8.6%
- **Financial Services:** 8.6%
- **Marketing and Advertising:** 6.9%
- **Consulting:** 5.2%
- **Civic & Social Organization:** 3.4%
- **Consumer Services:** 3.4%
- **Health, Wellness and Fitness:** 3.4%
- **Hospital & Health Care:** 3.4%
- **Medical Practice:** 3.4%
- **Other:** 41.4%

---
## Alternatives

### Alternatives to Gusto 401(k)

- [Human Interest](https://www.g2.com/products/human-interest/reviews) — 4.3/5 stars (2480 reviews)
- [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) — 4.3/5 stars (711 reviews)
- [401GO](https://www.g2.com/products/401go/reviews) — 4.8/5 stars (157 reviews)
- [ForUsAll](https://www.g2.com/products/forusall/reviews) — 3.9/5 stars (25 reviews)
- [Vestwell](https://www.g2.com/products/vestwell/reviews) — 3.3/5 stars (10 reviews)
- [Transamerica Retirement Solutions](https://www.g2.com/products/transamerica-retirement-solutions/reviews) — 4.4/5 stars (5 reviews)
- [Betterment Advisor Solutions](https://www.g2.com/products/betterment-advisor-solutions/reviews) — 4.4/5 stars (64 reviews)
- [Slavic 401k](https://www.g2.com/products/slavic-401k/reviews) — 1.9/5 stars (4 reviews)
- [AB401k](https://www.g2.com/products/ab401k/reviews) — 0.0/5 stars (0 reviews)
- [ADP Retirement Services](https://www.g2.com/products/adp-adp-retirement-services/reviews) — 4.2/5 stars (7 reviews)

### Alternatives to Ubiquity Retirement

- [Human Interest](https://www.g2.com/products/human-interest/reviews) — 4.3/5 stars (2480 reviews)
- [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) — 4.3/5 stars (711 reviews)
- [401GO](https://www.g2.com/products/401go/reviews) — 4.8/5 stars (157 reviews)
- [ForUsAll](https://www.g2.com/products/forusall/reviews) — 3.9/5 stars (25 reviews)
- [Betterment Advisor Solutions](https://www.g2.com/products/betterment-advisor-solutions/reviews) — 4.4/5 stars (64 reviews)
- [Vestwell](https://www.g2.com/products/vestwell/reviews) — 3.3/5 stars (10 reviews)
- [Transamerica Retirement Solutions](https://www.g2.com/products/transamerica-retirement-solutions/reviews) — 4.4/5 stars (5 reviews)
- [AB401k](https://www.g2.com/products/ab401k/reviews) — 0.0/5 stars (0 reviews)
- [ADP Retirement Services](https://www.g2.com/products/adp-adp-retirement-services/reviews) — 4.2/5 stars (7 reviews)
- [Slavic 401k](https://www.g2.com/products/slavic-401k/reviews) — 1.9/5 stars (4 reviews)

---
## Top Discussions

### Gusto 401(k)

- Title: [What is Guideline used for?](https://www.g2.com/discussions/what-is-guideline-used-for) — 1 comment
  > **Top comment:** "Retirement saving accounts"
- Title: [Would you possibly make monthly statements available as a feature?](https://www.g2.com/discussions/50689-would-you-possibly-make-monthly-statements-available-as-a-feature) — 1 comment, 1 upvote
  > **Top comment:** "yes"
- Title: [Can I use this for myself as the owner?](https://www.g2.com/discussions/46542-can-i-use-this-for-myself-as-the-owner) — 1 comment, 1 upvote
  > **Top comment:** "Yes, you can use this as the owner and reap the benefits of whatever company match you decide to offer."

### Ubiquity Retirement

No discussions available for this product.

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/gusto-401-k-vs-ubiquity-retirement)