Updated 2026-03-20
Nationwide vs Ubiquity 401(k) Comparison
Compare Nationwide (#13, 7.3/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Nationwide | Ubiquity |
|---|---|---|
| Overall Score | 7.3/10 | 6.3/10 |
| Rank | #13 | #23 |
| AUM | $250 billion | $3.5 billion |
| Participants | 3.5 million | 100,000 |
| Plan Sponsors | 30,000+ | 10,000+ |
| Founded | 1926 | 1999 |
Ratings Comparison
| Category | Nationwide | 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 | 3.4/5 | 3.2/5 |
Fee Comparison
| Fee Type | Nationwide | Ubiquity |
|---|---|---|
| Admin Fees | $800 - $3,500/year | $115 - $250/month flat fee |
| Expense Ratios | 0.30% - 1.3% | 0.03% - 0.80% |
| Trading Fees | Plan dependent | $0 |
| Advisory Fees | 0.45% - 0.95% | Optional, varies |
Nationwide Strengths
- Strong in 403(b) and 457 plans
- Guaranteed lifetime income options
- Good public sector solutions
- Stable value fund options
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 | Nationwide | Ubiquity |
|---|---|---|
| Rollover Platform | Nationwide.com | Ubiquity Portal |
| Loans Available | Yes | Yes |
| Withdrawal Methods | Online via Nationwide.com, Phone (877-677-3678) | Online via Ubiquity portal, Phone (855-831-7344), Dedicated account manager |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Guaranteed lifetime income, Rollover to IRA | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Nationwide if you want:
- Public sector employees
- Teachers and nonprofits
- Guaranteed income seekers
Choose Ubiquity if you want:
- Growing small businesses
- Cost-transparent seekers
- Companies with growing plan assets
- Custom plan designers
Our Verdict: Nationwide vs Ubiquity
Nationwide wins this comparison with a score of 7.3/10 vs 6.3/10. Nationwide excels with strong in 403(b) and 457 plans, 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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Nationwide vs Ubiquity: Complete 401(k) Comparison for 2026
Choosing between Nationwide and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. Nationwide offers public sector while Ubiquity is known for flat fee. In terms of fees, Nationwide charges 0.30% - 1.3% expense ratios compared to Ubiquity's 0.03% - 0.80%. Nationwide manages $250 billion in assets and serves 3.5 million participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.
Key Differences: Nationwide vs Ubiquity
When comparing Nationwide and Ubiquity, consider their core strengths: Nationwide excels with strong in 403(b) and 457 plans, 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. Nationwide's customer service rating is 4.0/5 compared to Ubiquity's 3.9/5. For mobile experience, Nationwide scores 3.4/5 while Ubiquity scores 3.2/5.
Which Provider is Right for You?
Choose Nationwide if you prioritize public sector employees. 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 Nationwide and Ubiquity provider pages.
Frequently Asked Questions
Nationwide scores higher in our 2026 rankings with 7.3/10. Nationwide is best for public sector employees, while Ubiquity is best for growing small businesses. The right choice depends on your employer's plan and your priorities.
Nationwide charges expense ratios of 0.30% - 1.3% with admin fees of $800 - $3,500/year. Ubiquity charges 0.03% - 0.80% expense ratios with admin fees of $115 - $250/month flat fee. Nationwide's fees rating is 3.4/5 compared to Ubiquity's 4.0/5.
Yes, you can roll over between Nationwide and Ubiquity. Nationwide uses Nationwide.com for rollovers, while Ubiquity uses Ubiquity Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Nationwide 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.
Nationwide scores 3.5/5 for investment options, while Ubiquity scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. Nationwide's investment options include Mutual Funds, Target Date Funds, Fixed Annuities. Ubiquity offers Open Architecture, Mutual Funds, Target Date Funds.
For small businesses, consider plan minimums and per-participant costs. Nationwide is best for public sector employees, teachers and nonprofits, guaranteed income seekers. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: Nationwide charges $800 - $3,500/year 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