Updated 2026-03-20
ADP vs Ubiquity 401(k) Comparison
Compare ADP Retirement Services (#7, 8.1/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | ADP | Ubiquity |
|---|---|---|
| Overall Score | 8.1/10 | 6.3/10 |
| Rank | #7 | #23 |
| AUM | $130 billion | $3.5 billion |
| Participants | 3 million | 100,000 |
| Plan Sponsors | 90,000+ | 10,000+ |
| Founded | 1949 | 1999 |
Ratings Comparison
| Category | ADP | Ubiquity |
|---|---|---|
| Fees & Costs | 3.4/5 | 4.0/5 |
| Investment Options | 3.5/5 | 3.7/5 |
| Customer Service | 4.0/5 | 3.9/5 |
| Mobile App | 3.7/5 | 3.2/5 |
Fee Comparison
| Fee Type | ADP | Ubiquity |
|---|---|---|
| Admin Fees | $2,000 - $5,000/year base | $115 - $250/month flat fee |
| Expense Ratios | Varies by investment partner | 0.03% - 0.80% |
| Trading Fees | Plan dependent | $0 |
| Advisory Fees | 0.35% - 0.75% | Optional, varies |
ADP Strengths
- Direct payroll integration
- Automatic contribution processing
- Strong compliance support
- Easy setup for ADP payroll clients
Ubiquity Strengths
- True flat-fee pricing with no asset-based charges
- Costs become more competitive as assets grow
- Open architecture investment options
- Over 25 years of experience
Rollover, Loans & Withdrawals
| Feature | ADP | Ubiquity |
|---|---|---|
| Rollover Platform | ADP Retirement Portal | Ubiquity Portal |
| Loans Available | Yes | Yes |
| Withdrawal Methods | Online via ADP portal, Phone (800-695-7526) | Online via Ubiquity portal, Phone (855-831-7344), Dedicated account manager |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose ADP if you want:
- ADP payroll users
- Multi-state employers
- HR bundle seekers
- Compliance-focused companies
Choose Ubiquity if you want:
- Growing small businesses
- Cost-transparent seekers
- Companies with growing plan assets
- Custom plan designers
Our Verdict: ADP vs Ubiquity
ADP Retirement Services wins this comparison with a score of 8.1/10 vs 6.3/10. ADP excels with direct payroll integration, making it the stronger choice for most investors in this matchup. However, the best choice ultimately depends on your specific needs, employer plan availability, and investment preferences.
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ADP vs Ubiquity: Complete 401(k) Comparison for 2026
Choosing between ADP Retirement Services and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. ADP offers payroll integration while Ubiquity is known for flat fee. In terms of fees, ADP charges Varies by investment partner expense ratios compared to Ubiquity's 0.03% - 0.80%. ADP manages $130 billion in assets and serves 3 million participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.
Key Differences: ADP vs Ubiquity
When comparing ADP and Ubiquity, consider their core strengths: ADP excels with direct payroll integration, while Ubiquity stands out for true flat-fee pricing with no asset-based charges. Both providers offer a wide range of investment options including target-date funds, index funds, and managed accounts. ADP's customer service rating is 4.0/5 compared to Ubiquity's 3.9/5. For mobile experience, ADP scores 3.7/5 while Ubiquity scores 3.2/5.
Which Provider is Right for You?
Choose ADP if you prioritize adp payroll users. Choose Ubiquity if you're looking for growing small businesses. Your decision should also consider your employer's plan availability, fee sensitivity, desired investment options, and customer service expectations. For detailed reviews, visit our individual ADP and Ubiquity provider pages.
Frequently Asked Questions
ADP Retirement Services scores higher in our 2026 rankings with 8.1/10. ADP is best for adp payroll users, while Ubiquity is best for growing small businesses. The right choice depends on your employer's plan and your priorities.
ADP charges expense ratios of Varies by investment partner with admin fees of $2,000 - $5,000/year base. Ubiquity charges 0.03% - 0.80% expense ratios with admin fees of $115 - $250/month flat fee. ADP's fees rating is 3.4/5 compared to Ubiquity's 4.0/5.
Yes, you can roll over between ADP and Ubiquity. ADP uses ADP Retirement Portal for rollovers, while Ubiquity uses Ubiquity Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
ADP offers 401(k) loans. Ubiquity offers 401(k) loans. Both providers typically allow loans up to 50% of your vested balance or $50,000, whichever is less.
ADP scores 3.5/5 for investment options, while Ubiquity scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. ADP's investment options include Partner Fund Lineups, Target Date Funds, Stable Value. Ubiquity offers Open Architecture, Mutual Funds, Target Date Funds.
For small businesses, consider plan minimums and per-participant costs. ADP is best for adp payroll users, multi-state employers, hr bundle seekers, compliance-focused companies. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: ADP charges $2,000 - $5,000/year base vs Ubiquity's $115 - $250/month flat fee.
Pavlo Pyskunov
Managing Director & Investment Fund Director
Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.
Last updated: 2026-03-20