Ubiquity Retirement Pricing Overview

Single(k)

Starting at $19.00

Per Month

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

Single(k) Plus

Starting at $37.50

Per Month

A record-kept solo 401(k) plan with the choice of pre-selected or customizable investment options.

Saver(k)

Starting at $97.00

Per Month

An affordable 401(k) with expert-picked plan provisions.

Custom(k)

Starting at $177.00

Per Month

A highly-customizable 401(k) with flexibility and support.

Reserve(k)

Starting at $257.00

Per Month

The ultimate 401(k) with robust customization and add-ons.

Up to three plan amendments annually free of charge

Fully bundled plan administration (recordkeeping, custodial services, and compliance services)

3(16) Fiduciary Services: preparing and signing Form 5500 and 8955-SSA, notices, plan disclosures, and more

Access to a broad range of investment options such as Vanguard, Schwab, and Fidelity funds

Waived conversion fee for existing plans outside of Ubiquity

ERISA fidelity bond coverage for up to $1 million in assets

SECURE 2.0 tax credit filing assistance

Comprehensive 5500 audit support

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.

Ubiquity Retirement has 5 pricing editions, from $19 to $257. Look at different pricing editions below and see what edition and features meet your budget and needs.

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

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Ubiquity Retirement Pricing Reviews

(2)

Anna M.

CEO

Small-Business (50 or fewer emp.)

7/30/2020

"Perfect for my small business 401k"

5/5

Describe the project or task Ubiquity Retirement helped with:

Ubiquity helped me set up my 1st 401k as a business owner. As a small business owner, it was a bit scary to jump into benefits, not fully knowing the impact it woudl have on my business. The customer service reps and professionals at Ubiquity walked me through all my options with dilligence and understanding. Really felt like they were trying to help me imporve my buisiness, not just sign up another customer. Review collected by and hosted on G2.com.

What do you like best about Ubiquity Retirement?

The Ubiquity platform is intuitive and easy to use, and the customer support is always knowledgeable and helpful... when I need it. For the most part though, I very rarely need support. Ubiquity has been our 401k service provider since 2018 and we have no plans to change providers. My employees are engaged with their accounts and able to find everything the need within their own logins. Five stars from us! Review collected by and hosted on G2.com.

What do you dislike about Ubiquity Retirement?

Honestly there is nothing that I can think of. Even though I'm a very small business I'm always treated like a an important client. Review collected by and hosted on G2.com.

Recommendations to others considering Ubiquity Retirement:

Definitely do your homework. Ther are several vendors online selling 401k options to small businesses. Don't just jump on the first proposal you get. Find a company that's interested in your growth. New is not always better - make sure the team you are working with has the experience your company needs. Review collected by and hosted on G2.com.

What problems is Ubiquity Retirement solving and how is that benefiting you?

This was my company's first 401k, so initially I felt a bit overwhelmed when researching the process. The onboarding team was very patient with me and was always available to explain the ins and outs of compliance. I'm pleased with the software, it's very helpful to me that I can login to my dashboard and find and do whatever I need without having to contact support. Review collected by and hosted on G2.com.

Response from Melissa Chery of Ubiquity Retirement

edit

Thank you for taking the time to update your review. We’re glad to know the onboarding process felt clear and supportive, especially as you set up your first 401(k). It’s great to hear the platform continues to work well for you and your employees, and that you’ve been confident staying with us since 2018.

We appreciate your feedback and your recommendation to others. If you ever need anything, our team is here to help.

Verified User in Law Practice

9/23/2025

"System is hard to figure out"

3.5/5

What do you like best about Ubiquity Retirement?

The service is not very expensive compared to others Review collected by and hosted on G2.com.

What do you dislike about Ubiquity Retirement?

I cannot figure out how to get the program actually started. Review collected by and hosted on G2.com.

Response from Melissa Chery of Ubiquity Retirement

edit

Thank you for taking the time to share your experience. We truly value every client and are committed to supporting you at each step. If getting your plan started has been challenging, please connect with your onboarding specialist or reach out to our support team — we’re here to walk you through the process and get you up and running quickly.