[ Ubiquit... Reviews ](https://www.g2.com/products/ubiquity-retirement/reviews) [ Ubiquit... Reviews ](https://www.g2.com/products/ubiquity-retirement/reviews) # Ubiquity Retirement Pricing Overview [Editedit](https://my.g2.com/ubiquity-retirement/pricings) 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. - 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 Show More 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. - Maximum of 4 people (business owner, business partner, and spouse(s) of owner/partner) - Pre-selected investment options including Vanguard Admiral Class Funds and Target Date Funds - View your balance, investments, and contribution deposits via your Ubiquity portal - Recordkeeping by Ubiquity Show More Saver(k) Starting at $97.00 Per Month An affordable 401(k) with expert-picked plan provisions. - Expert-designed 401(k) plan for ready-to-go deployment - Automatic enrollment with auto-escalation to encourage participation - Fully bundled plan administration (recordkeeping, custodial services, and compliance services) - Dedicated support for employers and employees - Optional Safe Harbor and profit sharing provisions Show More Custom(k) Starting at $177.00 Per Month A highly-customizable 401(k) with flexibility and support. - Free design assistance from a retirement plan consultant - Customizable options for incentivizing key employees - Fully bundled plan administration (recordkeeping, custodial services, compliance, etc.) - A broad range of investment options - Preparation of IRS Forms 1099 and 5500 - Optional Safe Harbor plan to reduce annual IRS testing Show More 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 Show More 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 Show More ## Top-Rated Alternatives [ ![Guideline](https://images.g2crowd.com/uploads/product/hd_favicon/0c2e3f6bc226ef137db8499bbb776447/guideline.svg "Guideline") Guideline 4.5/5 (1,154) ](https://www.g2.com/products/guideline/reviews) [ ![Human Interest](https://images.g2crowd.com/uploads/product/hd_favicon/3236f825932ac29c3b702632bfef0bb4/human-interest.svg "Human Interest") Human Interest 4.3/5 (2,365) ](https://www.g2.com/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 4.3/5 (547) ](https://www.g2.com/products/betterment-at-work/reviews) [ View All Alternatives ](https://www.g2.com/products/ubiquity-retirement/competitors/alternatives) ## Ubiquity Retirement Pricing Reviews (2) ![Puya P.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Puya P.") PP Puya P. CEO and Founder Small-Business (50 or fewer emp.) 9/30/2025 More Options - "Amazing 401k plan for Small Business Owners" 5/5 What do you like best about Ubiquity Retirement? The service is friendly, and there are plenty of customization options to suit your needs. The platform is straightforward and user-friendly, with seamless integration to payroll. Pricing is competitive, and there is a strong selection of low-cost funds available. Review collected by and hosted on G2.com. What do you dislike about Ubiquity Retirement? To be honest, I don't have any dislikes at the moment. Review collected by and hosted on G2.com. What problems is Ubiquity Retirement solving and how is that benefiting you? This service provides 401k plans specifically designed for small businesses. It aims to make retirement planning more accessible and manageable for smaller companies, helping them support their employees' financial futures. Review collected by and hosted on G2.com. Show More Response from Melissa Chery of Ubiquity Retirement [Editedit](https://www.g2.com/survey_responses/ubiquity-retirement-review-11748109/official_response/edit) We're thrilled to hear that you're enjoying our friendly service and customizable options. We strive to make retirement planning as seamless and user-friendly as possible for small business owners. Thank you for your positive feedback! Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Verified User in Law Practice](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Law Practice") AL Verified User in Law Practice 9/23/2025 More Options - "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. What problems is Ubiquity Retirement solving and how is that benefiting you? Implementing a retirement plan for my work Review collected by and hosted on G2.com. Show More Response from Melissa Chery of Ubiquity Retirement [Editedit](https://www.g2.com/survey_responses/ubiquity-retirement-review-11645132/official_response/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. Current UserValidated ReviewerSource: In-app Ubiquity Retirement Comparisons ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/small_square/small_square_ea9065abe035decb60c82a310c8a9c32/guideline.png "Product Avatar Image") Guideline 4.5/5 (1,156) [ Compare Now ](https://www.g2.com/compare/guideline-vs-ubiquity-retirement) ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/small_square/small_square_2c07d3c9066dc5cfd7fbdb432ff8174f/human-interest.png "Product Avatar Image") Human Interest 4.3/5 (2,386) [ Compare Now ](https://www.g2.com/compare/human-interest-vs-ubiquity-retirement) ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/small_square/small_square_3f4597512f6d26a25effbb7bf2e35f89/betterment-at-work.png "Product Avatar Image") Betterment at Work 4.3/5 (547) [ Compare Now ](https://www.g2.com/compare/betterment-at-work-vs-ubiquity-retirement) ##### Categories on G2 [ 401(k) ](https://www.g2.com/categories/401-k) ##### Explore More [ What's the best platform to optimize my business purchasing ](https://www.g2.com/discussions/what-s-the-best-platform-to-optimize-my-business-purchasing)[ What is the best booking tool for multi-location office spaces? ](https://www.g2.com/discussions/what-is-the-best-booking-tool-for-multi-location-office-spaces)[ Best account database management solutions for enterprises ](https://www.g2.com/discussions/best-account-database-management-solutions-for-enterprises) [ Best AI sales assistant software for small business ](https://www.g2.com/discussions/what-s-the-best-ai-sales-assistant-software-for-small-business)[ Branding Agencies in New York ](https://www.g2.com/categories/branding-agencies/locations/new-york-ny-us)[ Pros and Cons Details ](https://www.g2.com/products/ubiquity-retirement/reviews?qs=pros-and-cons) Show More [ What's the best platform to optimize my business purchasing ](https://www.g2.com/discussions/what-s-the-best-platform-to-optimize-my-business-purchasing)[ What is the best booking tool for multi-location office spaces? ](https://www.g2.com/discussions/what-is-the-best-booking-tool-for-multi-location-office-spaces)[ Best account database management solutions for enterprises ](https://www.g2.com/discussions/best-account-database-management-solutions-for-enterprises) [ Best AI sales assistant software for small business ](https://www.g2.com/discussions/what-s-the-best-ai-sales-assistant-software-for-small-business)[ Branding Agencies in New York ](https://www.g2.com/categories/branding-agencies/locations/new-york-ny-us)[ Pros and Cons Details ](https://www.g2.com/products/ubiquity-retirement/reviews?qs=pros-and-cons)