Updated 2026-03-20
Betterment vs Ubiquity 401(k) Comparison
Compare Betterment at Work (#20, 6.7/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Betterment | Ubiquity |
|---|---|---|
| Overall Score | 6.7/10 | 6.3/10 |
| Rank | #20 | #23 |
| AUM | $45 billion | $3.5 billion |
| Participants | 400,000 | 100,000 |
| Plan Sponsors | 1,500+ | 10,000+ |
| Founded | 2010 | 1999 |
Ratings Comparison
| Category | Betterment | Ubiquity |
|---|---|---|
| Fees & Costs | 4.0/5 | 4.0/5 |
| Investment Options | 3.2/5 | 3.7/5 |
| Customer Service | 4.0/5 | 3.9/5 |
| Mobile App | 4.4/5 | 3.2/5 |
Fee Comparison
| Fee Type | Betterment | Ubiquity |
|---|---|---|
| Admin Fees | $150/month + $6/employee | $115 - $250/month flat fee |
| Expense Ratios | 0.03% - 0.15% | 0.03% - 0.80% |
| Trading Fees | $0 | $0 |
| Advisory Fees | Included in platform fee | Optional, varies |
Betterment Strengths
- Fully automated portfolio management
- Tax-loss harvesting and tax-smart strategies
- Clean, modern user interface
- Low-cost ETF portfolios
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 | Betterment | Ubiquity |
|---|---|---|
| Rollover Platform | Betterment App | Ubiquity Portal |
| Loans Available | No | Yes |
| Withdrawal Methods | Online via Betterment app, Email support | Online via Ubiquity portal, Phone (855-831-7344), Dedicated account manager |
| Distribution Options | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Betterment if you want:
- Tech companies
- Startups
- Hands-off investors
- ESG-conscious employers
Choose Ubiquity if you want:
- Growing small businesses
- Cost-transparent seekers
- Companies with growing plan assets
- Custom plan designers
Our Verdict: Betterment vs Ubiquity
Betterment at Work wins this comparison with a score of 6.7/10 vs 6.3/10. Betterment excels with fully automated portfolio management, 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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Betterment vs Ubiquity: Complete 401(k) Comparison for 2026
Choosing between Betterment at Work and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. Betterment offers robo-advisor while Ubiquity is known for flat fee. In terms of fees, Betterment charges 0.03% - 0.15% expense ratios compared to Ubiquity's 0.03% - 0.80%. Betterment manages $45 billion in assets and serves 400,000 participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.
Key Differences: Betterment vs Ubiquity
When comparing Betterment and Ubiquity, consider their core strengths: Betterment excels with fully automated portfolio management, 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. Betterment's customer service rating is 4.0/5 compared to Ubiquity's 3.9/5. For mobile experience, Betterment scores 4.4/5 while Ubiquity scores 3.2/5.
Which Provider is Right for You?
Choose Betterment if you prioritize tech companies. 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 Betterment and Ubiquity provider pages.
Frequently Asked Questions
Betterment at Work scores higher in our 2026 rankings with 6.7/10. Betterment is best for tech companies, while Ubiquity is best for growing small businesses. The right choice depends on your employer's plan and your priorities.
Betterment charges expense ratios of 0.03% - 0.15% with admin fees of $150/month + $6/employee. Ubiquity charges 0.03% - 0.80% expense ratios with admin fees of $115 - $250/month flat fee. Betterment's fees rating is 4.0/5 compared to Ubiquity's 4.0/5.
Yes, you can roll over between Betterment and Ubiquity. Betterment uses Betterment App for rollovers, while Ubiquity uses Ubiquity Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Betterment does not offer 401(k) loans. Ubiquity offers 401(k) loans.
Betterment scores 3.2/5 for investment options, while Ubiquity scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. Betterment's investment options include ETF Portfolios, Target Date Portfolios, Socially Responsible Portfolios. Ubiquity offers Open Architecture, Mutual Funds, Target Date Funds.
For small businesses, consider plan minimums and per-participant costs. Betterment is best for tech companies, startups, hands-off investors, esg-conscious employers. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: Betterment charges $150/month + $6/employee 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