Link copied to clipboard # Gusto 401(k) vs Ubiquity Retirement Comparison - What are their main differences? Share [ Export ](/compare/gusto-401-k/ubiquity-retirement/export.csv) Gusto 401(k)Ubiquity Retirement[+ Add Product](#) Pricing **Gusto 401(k)** **$49.00** 49 per month + $6/mo per active participant Per Month · Starter **Ubiquity Retirement** **Starting at $19.00** Per Month · Single(k) **Pricing Insights** from reviews Time to Implement **Gusto 401(k)** 1 monthFaster Based on 792 responses **Ubiquity Retirement** 3 months Based on 17 responses Return on Investment **Gusto 401(k)** 13 months Based on 721 responses **Ubiquity Retirement** 4 months9 months sooner Based on 14 responses Perceived Cost **Gusto 401(k)** $$$$$ **Ubiquity Retirement** $$$$$ Average Discount **Gusto 401(k)** 8%1% more **Ubiquity Retirement** 7% ![Gusto 401(k)](https://images.g2crowd.com/uploads/product/hd_favicon/5bd4687cbbe7bb593fbb667c748322bc/gusto-401-k.svg "Gusto 401(k)") ![Ubiquity Retirement](https://images.g2crowd.com/uploads/product/hd_favicon/7aed90a7ef9c4b928756a2b8e0a23258/ubiquity-retirement.svg "Ubiquity Retirement") G2 offers free advice on this comparison. Chat with an expert How would you like to receive Software Advice? ![](/assets/advisor_router/laptop_form-f1a7012279826105416befde8d882ffc7589b1f9db09c93a1379d601cafe8e0d.svg) FormAnswer questions at your own pace, no call required. ![](/assets/advisor_router/ai_agent-4d78629a3ba354fed449a65c60df3a6f2eda90fb98411b711df4b25d7be52a38.svg) AI AgentChat live and get a recommendation in minutes. ![](/assets/advisor_router/phone_call_picker-c48821ec36f4182d8ee3e54cfbd3937500eec54d7b7e0cfb80dc80a8a733842f.svg) Phone CallTalk it through live with a software advisor. **Pros & Cons** from reviews **Gusto 401(k)** [ Ease of Use (171) ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1322972&qs=pros-and-cons#reviews)[ Easy Setup (130) ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323795&qs=pros-and-cons#reviews)[ Limited Options (20) ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1322885&qs=pros-and-cons#reviews)[ Limited Investment Options (19) ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323356&qs=pros-and-cons#reviews) **Ubiquity Retirement** [ Ease of Use (16) ](https://www.g2.com/products/ubiquity-retirement/reviews?filters%5Bsentiment_snippet%5D=2017973&qs=pros-and-cons#reviews)[ Simple (10) ](https://www.g2.com/products/ubiquity-retirement/reviews?filters%5Bsentiment_snippet%5D=2274938&qs=pros-and-cons#reviews)[ Difficulty Understanding (6) ](https://www.g2.com/products/ubiquity-retirement/reviews?filters%5Bsentiment_snippet%5D=1258451&qs=pros-and-cons#reviews)[ Limited Options (3) ](https://www.g2.com/products/ubiquity-retirement/reviews?filters%5Bsentiment_snippet%5D=2017979&qs=pros-and-cons#reviews) Integrations **Gusto 401(k)** [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_6c0b69a4cbd4386c9d156a20bbfa5843/gusto.png "Product Avatar Image") Gusto ](https://www.g2.com/products/gusto/reviews)[ View all ](https://www.g2.com/products/gusto-401-k/integrations) **Ubiquity Retirement** [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_49193e40ccac594f2996edaca2036026/adp-payroll-services.jpg "Product Avatar Image") ADP Payroll ](https://www.g2.com/products/adp-payroll-services/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_374df1ff084b38519271ae45b8f31eab/apex-apex.jpg "Product Avatar Image") APEX ](https://www.g2.com/products/apex-apex/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_b457f3bb322dd9df548283fcaeae93b8/auris-payroll.png "Product Avatar Image") Auris Payroll ](https://www.g2.com/products/auris-payroll/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_7235058700550cd3175330b851e115e5/centric.gif "Product Avatar Image") Centric ](https://www.g2.com/products/centric/reviews)[ View all ](https://www.g2.com/products/ubiquity-retirement/integrations) Screenshots **Gusto 401(k)** No screenshot available **Ubiquity Retirement** ![Ubiquity Retirement screenshot](https://images.g2crowd.com/cdn-cgi/image/width=600,height=600,fit=scale-down,format=auto,onerror=redirect,/https://images.g2crowd.com/uploads/attachment/file/1475916/Dashboard-Shot-2.png) **Ratings** from reviews Meets Requirements **Gusto 401(k)** 9.2 9.2994 **Ubiquity Retirement** 9.1 9.130 Ease of Use **Gusto 401(k)** 9.3 9.31,020 **Ubiquity Retirement** 8.8 8.855 Ease of Setup **Gusto 401(k)** 9.2 9.2949 **Ubiquity Retirement** 8.8 8.830 Ease of Admin **Gusto 401(k)** 9.3 9.3943 **Ubiquity Retirement** 9.0 9.020 Quality of Support **Gusto 401(k)** 8.7 8.7877 **Ubiquity Retirement** 8.3 8.331 Has the product been a good partner in doing business? **Gusto 401(k)** 9.1 9.1932 **Ubiquity Retirement** 9.1 9.120 Product Direction (% positive) **Gusto 401(k)** 8.5 8.5974 **Ubiquity Retirement** 8.1 8.130 **Features** ratings from reviews 401(k) 8.8 890 9.1 29 User Insights **Reviewers' Company Size** Small-Business(50 or fewer emp.) 89.6% Mid-Market(51-1000 emp.) 10.4% Enterprise(\> 1000 emp.) 0% Small-Business(50 or fewer emp.) 89.6% Mid-Market(51-1000 emp.) 10.4% Enterprise(\> 1000 emp.) 0% Small-Business(50 or fewer emp.) 79.5% Mid-Market(51-1000 emp.) 20.5% Enterprise(\> 1000 emp.) 0% Small-Business(50 or fewer emp.) 79.5% Mid-Market(51-1000 emp.) 20.5% Enterprise(\> 1000 emp.) 0% **Reviewers' Industry** [![Gusto 401(k)](https://images.g2crowd.com/uploads/product/hd_favicon/5bd4687cbbe7bb593fbb667c748322bc/gusto-401-k.svg "Gusto 401(k)")](https://www.g2.com/products/gusto-401-k/reviews) 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% Other 68.1% [![Ubiquity Retirement](https://images.g2crowd.com/uploads/product/hd_favicon/7aed90a7ef9c4b928756a2b8e0a23258/ubiquity-retirement.svg "Ubiquity Retirement")](https://www.g2.com/products/ubiquity-retirement/reviews) Ubiquity Retirement Information Technology and Services 11.5% Financial Services 9.8% Accounting 8.2% Marketing and Advertising 6.6% Consulting 4.9% Other 59.0% Alternatives **Gusto 401(k) Alternatives** ![Human Interest](https://images.g2crowd.com/uploads/product/hd_favicon/3236f825932ac29c3b702632bfef0bb4/human-interest.svg "Human Interest") [ Human Interest ](/products/human-interest/reviews) ![Betterment at Work](https://images.g2crowd.com/uploads/product/hd_favicon/80255cbf814772b065215ac96c5aa13d/betterment-at-work.svg "Betterment at Work") [ Betterment at Work ](/products/betterment-at-work/reviews) ![401GO](https://images.g2crowd.com/uploads/product/hd_favicon/a58470fa2c15846d85b2291c3c9cf98c/401go.svg "401GO") [ 401GO ](/products/401go/reviews) ![ForUsAll](https://images.g2crowd.com/uploads/product/hd_favicon/1e4659ef17c993b40ecdb3c584e9444d/forusall.svg "ForUsAll") [ ForUsAll ](/products/forusall/reviews) **Ubiquity Retirement Alternatives** ![Human Interest](https://images.g2crowd.com/uploads/product/hd_favicon/3236f825932ac29c3b702632bfef0bb4/human-interest.svg "Human Interest") [ Human Interest ](/products/human-interest/reviews) ![Betterment at Work](https://images.g2crowd.com/uploads/product/hd_favicon/80255cbf814772b065215ac96c5aa13d/betterment-at-work.svg "Betterment at Work") [ Betterment at Work ](/products/betterment-at-work/reviews) ![401GO](https://images.g2crowd.com/uploads/product/hd_favicon/a58470fa2c15846d85b2291c3c9cf98c/401go.svg "401GO") [ 401GO ](/products/401go/reviews) ![ForUsAll](https://images.g2crowd.com/uploads/product/hd_favicon/1e4659ef17c993b40ecdb3c584e9444d/forusall.svg "ForUsAll") [ ForUsAll ](/products/forusall/reviews) ## Gusto 401(k) vs Ubiquity Retirement FAQs Generated using AI Last updated: August 15, 2026 ### 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) vs Ubiquity Retirement When assessing the two solutions, reviewers found Gusto 401(k) easier to use, set up, and administer. However, reviewers felt that both vendors make it equally easy to do business overall. - Reviewers felt that Gusto 401(k) meets the needs of their business better than Ubiquity Retirement. - When comparing quality of ongoing product support, reviewers felt that Gusto 401(k) is the preferred option. - For feature updates and roadmaps, our reviewers preferred the direction of Gusto 401(k) over Ubiquity Retirement.