Updated 2026-03-20

Fidelity vs Ubiquity 401(k) Comparison

Compare Fidelity Investments (#1, 9.5/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.

Overall Comparison

FeatureFidelityUbiquity
Overall Score9.5/106.3/10
Rank#1#23
AUM$4.5 trillion$3.5 billion
Participants43 million100,000
Plan Sponsors23,000+10,000+
Founded19461999

Ratings Comparison

CategoryFidelityUbiquity
Fees & Costs4.9/54.0/5
Investment Options4.9/53.7/5
Customer Service4.8/53.9/5
Mobile App4.7/53.2/5

Fee Comparison

Fee TypeFidelityUbiquity
Admin Fees$0 - varies by plan$115 - $250/month flat fee
Expense Ratios0.00% - 0.75%0.03% - 0.80%
Trading Fees$0 for stocks/ETFs$0
Advisory Fees0.35% - 1.0%Optional, varies

Fidelity Strengths

Ubiquity Strengths

Rollover, Loans & Withdrawals

FeatureFidelityUbiquity
Rollover PlatformNetBenefitsUbiquity Portal
Loans AvailableYesYes
Withdrawal MethodsOnline via NetBenefits, Phone (800-343-3548), Fidelity branch officesOnline via Ubiquity portal, Phone (855-831-7344), Dedicated account manager
Distribution OptionsLump sum, Partial withdrawal, Installment payments, Rollover to IRALump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions

Which Should You Choose?

Choose Fidelity if you want:

  • Large employers
  • Cost-conscious investors
  • Self-directed investors
  • Solo 401(k) seekers

Choose Ubiquity if you want:

  • Growing small businesses
  • Cost-transparent seekers
  • Companies with growing plan assets
  • Custom plan designers

Our Verdict: Fidelity vs Ubiquity

Fidelity Investments wins this comparison with a score of 9.5/10 vs 6.3/10. Fidelity excels with zero expense ratio index funds (fzrox, fzilx), 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.

Full Fidelity Review Full Ubiquity Review

Other Popular Comparisons

Fidelity vs Vanguard

Compare these 401(k) providers head-to-head

 Fidelity vs Schwab

Compare these 401(k) providers head-to-head

 Fidelity vs Empower

Compare these 401(k) providers head-to-head

 Fidelity vs T. Rowe Price

Compare these 401(k) providers head-to-head

 Fidelity vs Principal

Compare these 401(k) providers head-to-head

 Fidelity vs ADP

Compare these 401(k) providers head-to-head

Fidelity vs Ubiquity: Complete 401(k) Comparison for 2026

Choosing between Fidelity Investments and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. Fidelity offers largest provider while Ubiquity is known for flat fee. In terms of fees, Fidelity charges 0.00% - 0.75% expense ratios compared to Ubiquity's 0.03% - 0.80%. Fidelity manages $4.5 trillion in assets and serves 43 million participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.

Key Differences: Fidelity vs Ubiquity

When comparing Fidelity and Ubiquity, consider their core strengths: Fidelity excels with zero expense ratio index funds (fzrox, fzilx), 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. Fidelity's customer service rating is 4.8/5 compared to Ubiquity's 3.9/5. For mobile experience, Fidelity scores 4.7/5 while Ubiquity scores 3.2/5.

Which Provider is Right for You?

Choose Fidelity if you prioritize large employers. 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 Fidelity and Ubiquity provider pages.

Frequently Asked Questions

Fidelity Investments scores higher in our 2026 rankings with 9.5/10. Fidelity is best for large employers, while Ubiquity is best for growing small businesses. The right choice depends on your employer's plan and your priorities.

Fidelity charges expense ratios of 0.00% - 0.75% with admin fees of $0 - varies by plan. Ubiquity charges 0.03% - 0.80% expense ratios with admin fees of $115 - $250/month flat fee. Fidelity's fees rating is 4.9/5 compared to Ubiquity's 4.0/5.

Yes, you can roll over between Fidelity and Ubiquity. Fidelity uses NetBenefits for rollovers, while Ubiquity uses Ubiquity Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.

Fidelity 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.

Fidelity scores 4.9/5 for investment options, while Ubiquity scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. Fidelity's investment options include Index Funds, Target Date Funds, Mutual Funds. Ubiquity offers Open Architecture, Mutual Funds, Target Date Funds.

For small businesses, consider plan minimums and per-participant costs. Fidelity is best for large employers, cost-conscious investors, self-directed investors, solo 401(k) seekers. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: Fidelity charges $0 - varies by plan vs Ubiquity's $115 - $250/month flat fee.

Pavlo Pyskunov

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