--- title: Ubiquity Retirement Reviews meta_title: 'Ubiquity Retirement Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 57 reviews by the users' company size, role or industry to find out how Ubiquity Retirement works for a business like yours. aggregate_rating: rating_value: 4.2 review_count: 57 scale: '5' date_modified: '2026-07-17' parent_category: name: HR url: https://www.g2.com/categories/hr --- # Ubiquity Retirement Reviews **Vendor:** Ubiquity Retirement + Savings **Category:** [401(k) Software](https://www.g2.com/categories/401-k) **Average Rating:** 4.2/5.0 **Total Reviews:** 57 ## About Ubiquity Retirement Ubiquity is a retirement plan solution specifically designed for small business owners, aiming to provide them with qualified retirement plans that cater to their unique needs. Established in 1999, Ubiquity has focused on empowering businesses to secure their financial futures through effective retirement solutions. The company combines advanced technology with exceptional customer support to address the cost and compliance challenges that often hinder small businesses across the nation. Targeting small business owners, Ubiquity offers a range of customizable retirement plans that are both simple to implement and affordable. These plans are designed to meet the diverse needs of various businesses, ensuring that owners can provide their employees with valuable retirement benefits while also managing their own financial goals. Ubiquity's commitment to transforming the retirement landscape for small businesses has resulted in the successful implementation of plans for over 16,000 businesses, positively impacting hundreds of thousands of lives. Key features of Ubiquity's retirement plans include a user-friendly online platform that simplifies the enrollment process, making it easy for both employers and employees to navigate. The plans are customizable, allowing business owners to tailor their offerings to align with their specific objectives and workforce needs. Additionally, Ubiquity provides ongoing support and resources to ensure compliance with ever-changing regulations, helping businesses avoid potential pitfalls that could arise from mismanagement of retirement plans. The benefits of choosing Ubiquity extend beyond just compliance and cost-effectiveness. By offering a robust retirement plan, small businesses can enhance employee satisfaction and retention, as workers increasingly seek employers who provide comprehensive benefits. Ubiquity's focus on affordability ensures that even the smallest of businesses can access high-quality retirement solutions without straining their budgets. This combination of features and benefits positions Ubiquity as a reliable partner for small business owners looking to secure their financial futures and those of their employees. ## Ubiquity Retirement Pros & Cons **What users like:** - Users value the **ease of use** of Ubiquity Retirement, allowing for quick and straightforward payroll management. (16 reviews) - Users value the **ease of use** of Ubiquity Retirement, finding it simple and straightforward for everyone involved. (10 reviews) - Users appreciate the **excellent customer support** of Ubiquity Retirement, highlighting prompt assistance and helpful service. (9 reviews) - Users appreciate the **easy setup** of Ubiquity Retirement, finding it quick and hassle-free to manage their accounts. (7 reviews) - Users appreciate the **seamless integrations** of Ubiquity Retirement with ERP systems, enhancing daily workflows and support accessibility. (7 reviews) - Users value the **good selection of investments** and appreciate the ease of use in making their choices. (7 reviews) - Users praise the **responsive representatives** of Ubiquity Retirement, highlighting their helpfulness and friendly support throughout the process. (5 reviews) - Affordable (3 reviews) - Onboarding (3 reviews) - Online Portal (3 reviews) **What users dislike:** - Users find the **difficulty understanding** of payroll deposit integration and resource library access to be challenging. (6 reviews) - Users find the **limited options** for fund selection in Ubiquity Retirement frustrating, wishing for more available choices. (3 reviews) - Users find the **plan confusion** overwhelming, especially regarding regulations and required minimum distributions. (3 reviews) - Users find the **onboarding process overwhelming** and often require support to navigate minor issues effectively. (3 reviews) - Users find the **setup process overwhelming** and often feel unsupported, making it challenging to start using Ubiquity Retirement. (3 reviews) - Users face **integration issues** that can cause confusion, although support assists in resolving these concerns. (2 reviews) - Users prefer **phone support** , finding that long wait times initially hindered their experience with Ubiquity Retirement. (2 reviews) - Users experience **slow response times** to email inquiries and phone calls, hindering effective communication with Ubiquity Retirement. (1 reviews) - Enrollment Issues (1 reviews) - Users struggle with **high fees** and poor customer service, making issue resolution a frustrating experience. (1 reviews) ## Ubiquity Retirement Reviews ### 1. Flat-fee, jargon-free approach to small busines retirement plans. **Rating:** 4.5/5.0 stars **Reviewed by:** Jonah F. | Insurance Broker, Small-Business (50 or fewer emp.) **Reviewed Date:** September 12, 2022 **What do you like best about Ubiquity Retirement?** No fine print hidden fees. No-nonsense retirement planning service for small businesses and their employees. **What do you dislike about Ubiquity Retirement?** The negative reviews for the company on TrustPilot appear to be by people with little understanding of investments or what they're paying Ubiquity for. As for the negative reviews mentioning over-automation and a lack of customer service - those concerns appear well-founded. For people who read this, your 401K plan administrator is not an investment professional, and you should not chalk up the performance of your 401K investments to the people who helped set up a tax-advantaged retirement plan for your company. It's not their job. From their site, front page: "We are not an RIA – we work in partnership with financial professionals to deliver small business owners the most customized investment guidance." RIA translation for those that don't work in finance: A registered investment advisor (RIA) is a firm that advises clients on securities investments and may manage their investment portfolios. RIAs are registered with the U.S. Securities and Exchange Commission (SEC) or state securities administrators. RIAs have fiduciary obligations to their clients, meaning they have a fundamental duty to always and only provide investment advice that is in their client's best interests. Expect your 401K administrator to manage your investments ... you're gonna have a bad time. **What problems is Ubiquity Retirement solving and how is that benefiting you?** None currently; they'll be top of mind when I run across a small business owner looking to treat their employees with additional benefits. ### 2. Simple & user-friendly 401(k) administration **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Small-Business (50 or fewer emp.) **Reviewed Date:** July 20, 2022 **What do you like best about Ubiquity Retirement?** Ubiquity makes the process of managing a 401(k) plan for a small organization (30-50 employees) extremely simple. Reporting contributions is easy and error-proof, their annual audit process is clear and quick, changing contribution rates or amounts for an employee is uncomplicated, and their customer service agents are very knowledgable. **What do you dislike about Ubiquity Retirement?** The only thing I dislike is that you can't do everything online. Chatbot is never available and the portal help articles only help so much, so the only way to get questions answered is to call or email customer service. Also, as the plan administrator, you can't make direct changes to an employee's email address (once they're terminated and need a non-company email added), it has to be done via email request. **What problems is Ubiquity Retirement solving and how is that benefiting you?** They allow us to offer an easy-to-use 401(k) plan to our employees, which enables us to offer more competitive hiring packages for our industry and acquire the most sought-after talent. ### 3. Useful for tracking my 401k goals! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** January 14, 2023 **What do you like best about Ubiquity Retirement?** I like that it shows how much money I've been saving and putting away in my 401k from each paycheck. **What do you dislike about Ubiquity Retirement?** I don't like the UI very much; it's kind of ugly to look at. **What problems is Ubiquity Retirement solving and how is that benefiting you?** It's solving by automatically depositing money from my paycheck into my retirement. I can change the percentage contribution anytime I want. ### 4. Easy turnkey option for small plans and startups. **Rating:** 4.0/5.0 stars **Reviewed by:** Thane W. | Assistant Vice President - Retirement Plan Services & Mutual Funds, Mid-Market (51-1000 emp.) **Reviewed Date:** September 16, 2022 **What do you like best about Ubiquity Retirement?** I like that I can always reach my point of contact. It's a quick easy process to bring on a new client and have them complete the online paperwork. **What do you dislike about Ubiquity Retirement?** Two things come to mind: 1. This process is all online. Some folks love it and some want more hand-holding. 2. As the rep, you are on your own to meet personally with clients and help them through the process. **What problems is Ubiquity Retirement solving and how is that benefiting you?** Ubiquity makes it easy to establish a plan quickly if you are under a deadline. Clients need to be savy with completing online paperwork. ### 5. Horrible Service **Rating:** 0.0/5.0 stars **Reviewed by:** Michelle P. | President, Small-Business (50 or fewer emp.) **Reviewed Date:** March 01, 2022 **What do you like best about Ubiquity Retirement?** None. They lack knowledge of the conversion process and do not know how to process money transfer or conversion from the previous provider to their plan. I couldn't believe people get paid doing nothing—horrible service. **What do you dislike about Ubiquity Retirement?** Their 401k plan is not fully established. They do not know how the conversion worked. I had a previous plan provider, Fidelity, and had to move my money (transfer or conversion) to Ubiquity. They couldn't process as they did not understand what Fidelity was asking for. They don't even know what the transfer of asset form is although that form is a standard form for all plan providers. They will ask the plan administrator to do all their jobs as they have no clue how to proceed. Terrible company. **What problems is Ubiquity Retirement solving and how is that benefiting you?** Please see my comments above. No benefits compared to other similar providers. I plan to switch the provider after talking to other business owners that offers 401k to their employees. **Official Response from Selby Mashakova:** > Hi Michelle, Thank you for your feedback. I would like to address the issue you are currently facing with our Client Sucess team. Please respond back with your last name and plan name and I will escalate to the appropriate person. ### 6. Great 401K Management Services **Rating:** 5.0/5.0 stars **Reviewed by:** Laurie T. | Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** May 19, 2022 **What do you like best about Ubiquity Retirement?** The friendly and timely response to any questions I have. **What do you dislike about Ubiquity Retirement?** Everything is great! There is nothing missing in the service. **What problems is Ubiquity Retirement solving and how is that benefiting you?** I am able to determine the best contribution plans based on their clear reports. ### 7. Good customer service! **Rating:** 3.5/5.0 stars **Reviewed by:** Amy J. | Talent Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 17, 2021 **What do you like best about Ubiquity Retirement?** Customer service is always amazing. I feel like I can rely on this support team for timely responses and good info. **What do you dislike about Ubiquity Retirement?** Would like to see more functionality on the website to make it easy for employees to understand where their contributions are going. **What problems is Ubiquity Retirement solving and how is that benefiting you?** n/a ## Ubiquity Retirement Discussions - [How much should I have in my 401k?](https://www.g2.com/discussions/how-much-should-i-have-in-my-401k) - [Is Guideline a good 401k provider?](https://www.g2.com/discussions/is-guideline-a-good-401k-provider) - [What is ubiquity com?](https://www.g2.com/discussions/what-is-ubiquity-com) - [Who owns Ubiquity retirement?](https://www.g2.com/discussions/who-owns-ubiquity-retirement) - [I would love to know how other small businesses are using their 401ks to attract talent.](https://www.g2.com/discussions/30342-i-would-love-to-know-how-other-small-businesses-are-using-their-401ks-to-attract-talent) - [View Ubiquity Retirement pricing details and edition comparison](https://www.g2.com/products/ubiquity-retirement/reviews?page=2§ion=pricing&secure%5Bexpires_at%5D=2026-07-29+16%3A49%3A07+-0500&secure%5Bsession_id%5D=c19084ee-959e-48f8-9610-c07ed5a146ca&secure%5Btoken%5D=d2b828d3686519f2b8638eaf6e34e947a155774b16a8aee7bf5418caf5b64548&format=llm_user) ## Ubiquity Retirement Integrations - [ADP Payroll Services](https://www.g2.com/products/adp-payroll-services/reviews) - [APEX](https://www.g2.com/products/apex-apex/reviews) - [Auris Payroll](https://www.g2.com/products/auris-payroll/reviews) - [Centric](https://www.g2.com/products/centric/reviews) - [Coastal Payroll](https://www.g2.com/products/coastal-payroll/reviews) - [EmCentrix HRMS](https://www.g2.com/products/emcentrix-hrms/reviews) - [Encompass](https://www.g2.com/products/encompass/reviews) - [Finch](https://www.g2.com/products/finch-finch/reviews) - [Focus HR](https://www.g2.com/products/focus-hr/reviews) - [Gusto](https://www.g2.com/products/gusto/reviews) - [Intuit QuickBooks](https://www.g2.com/products/intuit-quickbooks/reviews) - [isolved](https://www.g2.com/products/isolved/reviews) - [Justworks](https://www.g2.com/products/justworks/reviews) - [Marathon](https://www.g2.com/products/marathon/reviews) - [MassPay](https://www.g2.com/products/masspay/reviews) - [Namely](https://www.g2.com/products/namely/reviews) - [Paychex](https://www.g2.com/products/paychex/reviews) - [Paycor](https://www.g2.com/products/paycor/reviews) - [Paylocity](https://www.g2.com/products/paylocity/reviews) - [Rippling](https://www.g2.com/products/rippling/reviews) - [TriNet](https://www.g2.com/products/trinet/reviews) - [UKG Ready](https://www.g2.com/products/ukg-ready/reviews) - [Wave](https://www.g2.com/products/wave/reviews) - [Workplace Solutions](https://www.g2.com/products/workplace-solutions/reviews) ## Ubiquity Retirement Features **Onboarding** - Administrators - Employees **Dashboard** - Balances - Investments - Personal Information **Compliance** - IRS - Tax Benefits **Administration** - Monitoring - Reporting **Generative AI** - AI Image-to-Text ## Top Ubiquity Retirement Alternatives - [Guideline](https://www.g2.com/products/guideline/reviews) - 4.5/5.0 (1,155 reviews) - [Human Interest](https://www.g2.com/products/human-interest/reviews) - 4.3/5.0 (2,408 reviews) - [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) - 4.3/5.0 (703 reviews)