Ubiquity Retirement + Savings offers a transparent, flat-fee pricing model designed for small businesses. Plans start at a competitive rate, ensuring cost-effectiveness without sacrificing quality or service. Key benefits of their pricing model include:
1) SECURE 2.0 Tax Credits: New plans can take advantage of these credits, effectively covering the cost of your plan's first three years(1) (consult a tax advisor for details).
2) No Hidden Costs: Unlike many competitors, Ubiquity's straightforward pricing ensures no unexpected fees.
3) No Asset Under Management (AUM) Fees: Avoid AUM fees, potentially saving you six figures over 30 years (2).
This approach sets Ubiquity apart, providing exceptional value and catering to the specific needs of small business owners.
Pricing information for Ubiquity Retirement is supplied by the software provider or retrieved from publicly
accessible pricing materials. Final cost negotiations to purchase Ubiquity Retirement must be conducted with the
seller.
(1) Eligible employers can receive a tax credit of up to $5,000 over three years for starting a 401(k) plan, subject to IRS requirements. Employers with 50 or fewer employees qualify for a 100% tax credit, while those with 100-50 employees can receive a 50% tax credit. Additional eligibility criteria include having at least one non-highly compensated employee, an employee who received at least $5,000 in compensation in the preceding year and having substantially the same employees receiving contributions or benefits from another plan sponsored by the employer, a member of a controlled group, or a predecessor within the three tax years prior to becoming eligible. Employers with automatic enrollment plans can receive an extra tax credit of $500 per year for a three-year taxable period.
(2) Decimal, Inc. charges flat fees for recordkeeping and administrative services. Third-party service providers may assess asset-based fees to customers. We advise Plan Sponsors to review all service agreements with providers, such as investment advisors, custodians, and broker-dealers, to evaluate the total cost of the plan.
Ubiquity is not a registered investment advisor, and the information provided herein should not be considered legal or tax advice. We recommend consulting with your financial planner, attorney, and/or tax advisor for personalized advice.
Pricing information was last updated on September 25, 2025
