Updated 2026-03-20

John Hancock vs Ubiquity 401(k) Comparison

Compare John Hancock (#10, 7.7/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.

Overall Comparison

FeatureJohn HancockUbiquity
Overall Score7.7/106.3/10
Rank#10#23
AUM$600 billion$3.5 billion
Participants3 million100,000
Plan Sponsors48,000+10,000+
Founded18621999

Ratings Comparison

CategoryJohn HancockUbiquity
Fees & Costs3.5/54.0/5
Investment Options3.7/53.7/5
Customer Service4.0/53.9/5
Mobile App3.6/53.2/5

Fee Comparison

Fee TypeJohn HancockUbiquity
Admin Fees$1,000 - $4,000/year$115 - $250/month flat fee
Expense Ratios0.30% - 1.3%0.03% - 0.80%
Trading FeesPlan dependent$0
Advisory Fees0.40% - 0.90%Optional, varies

John Hancock Strengths

Ubiquity Strengths

Rollover, Loans & Withdrawals

FeatureJohn HancockUbiquity
Rollover Platformmyplan.johnhancock.comUbiquity Portal
Loans AvailableYesYes
Withdrawal MethodsOnline via myplan.johnhancock.com, Phone (800-395-1113)Online 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 John Hancock if you want:

  • Wellness-focused employers
  • Mid-sized companies
  • Insurance bundle seekers

Choose Ubiquity if you want:

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

Our Verdict: John Hancock vs Ubiquity

John Hancock wins this comparison with a score of 7.7/10 vs 6.3/10. John Hancock excels with unique wellness program 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.

Full John Hancock Review Full Ubiquity Review

Other Popular Comparisons

Fidelity vs Ubiquity

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

 Vanguard vs Ubiquity

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

 Schwab vs Ubiquity

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

 Empower vs Ubiquity

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

 T. Rowe Price vs Ubiquity

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

 Principal vs Ubiquity

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

John Hancock vs Ubiquity: Complete 401(k) Comparison for 2026

Choosing between John Hancock and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. John Hancock offers wellness focus while Ubiquity is known for flat fee. In terms of fees, John Hancock charges 0.30% - 1.3% expense ratios compared to Ubiquity's 0.03% - 0.80%. John Hancock manages $600 billion in assets and serves 3 million participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.

Key Differences: John Hancock vs Ubiquity

When comparing John Hancock and Ubiquity, consider their core strengths: John Hancock excels with unique wellness program 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. John Hancock's customer service rating is 4.0/5 compared to Ubiquity's 3.9/5. For mobile experience, John Hancock scores 3.6/5 while Ubiquity scores 3.2/5.

Which Provider is Right for You?

Choose John Hancock if you prioritize wellness-focused 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 John Hancock and Ubiquity provider pages.

Frequently Asked Questions

John Hancock scores higher in our 2026 rankings with 7.7/10. John Hancock is best for wellness-focused employers, while Ubiquity is best for growing small businesses. The right choice depends on your employer's plan and your priorities.

John Hancock charges expense ratios of 0.30% - 1.3% with admin fees of $1,000 - $4,000/year. Ubiquity charges 0.03% - 0.80% expense ratios with admin fees of $115 - $250/month flat fee. John Hancock's fees rating is 3.5/5 compared to Ubiquity's 4.0/5.

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

John Hancock 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.

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

For small businesses, consider plan minimums and per-participant costs. John Hancock is best for wellness-focused employers, mid-sized companies, insurance bundle seekers. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: John Hancock charges $1,000 - $4,000/year 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