Updated 2026-03-20

Paychex vs Ubiquity 401(k) Comparison

Compare Paychex (#16, 7.0/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.

Overall Comparison

FeaturePaychexUbiquity
Overall Score7.0/106.3/10
Rank#16#23
AUM$48 billion$3.5 billion
Participants730,000100,000
Plan Sponsors740,000+10,000+
Founded19711999

Ratings Comparison

CategoryPaychexUbiquity
Fees & Costs3.4/54.0/5
Investment Options3.6/53.7/5
Customer Service3.8/53.9/5
Mobile App3.5/53.2/5

Fee Comparison

Fee TypePaychexUbiquity
Admin Fees$80 - $150/month + per-employee fees$115 - $250/month flat fee
Expense Ratios0.10% - 1.2%0.03% - 0.80%
Trading FeesIncluded$0
Advisory Fees0.50% - 1.0%Optional, varies

Paychex Strengths

Ubiquity Strengths

Rollover, Loans & Withdrawals

FeaturePaychexUbiquity
Rollover PlatformPaychex FlexUbiquity Portal
Loans AvailableYesYes
Withdrawal MethodsOnline via Paychex Flex, Phone (800-741-6277), Through plan administratorOnline via Ubiquity portal, Phone (855-831-7344), Dedicated account manager
Distribution OptionsLump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum DistributionsLump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions

Which Should You Choose?

Choose Paychex if you want:

  • Paychex payroll clients
  • Small to mid-size businesses
  • Companies wanting bundled HR+retirement
  • PEO participants

Choose Ubiquity if you want:

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

Our Verdict: Paychex vs Ubiquity

Paychex wins this comparison with a score of 7.0/10 vs 6.3/10. Paychex excels with seamless payroll-to-401(k) contribution processing, 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 Paychex Review Full Ubiquity Review

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

Choosing between Paychex and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. Paychex offers payroll integration while Ubiquity is known for flat fee. In terms of fees, Paychex charges 0.10% - 1.2% expense ratios compared to Ubiquity's 0.03% - 0.80%. Paychex manages $48 billion in assets and serves 730,000 participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.

Key Differences: Paychex vs Ubiquity

When comparing Paychex and Ubiquity, consider their core strengths: Paychex excels with seamless payroll-to-401(k) contribution processing, 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. Paychex's customer service rating is 3.8/5 compared to Ubiquity's 3.9/5. For mobile experience, Paychex scores 3.5/5 while Ubiquity scores 3.2/5.

Which Provider is Right for You?

Choose Paychex if you prioritize paychex payroll clients. 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 Paychex and Ubiquity provider pages.

Frequently Asked Questions

Paychex scores higher in our 2026 rankings with 7.0/10. Paychex is best for paychex payroll clients, while Ubiquity is best for growing small businesses. The right choice depends on your employer's plan and your priorities.

Paychex charges expense ratios of 0.10% - 1.2% with admin fees of $80 - $150/month + per-employee fees. Ubiquity charges 0.03% - 0.80% expense ratios with admin fees of $115 - $250/month flat fee. Paychex's fees rating is 3.4/5 compared to Ubiquity's 4.0/5.

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

Paychex 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.

Paychex scores 3.6/5 for investment options, while Ubiquity scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. Paychex's investment options include Mutual Funds, Target Date Funds, Index Funds. Ubiquity offers Open Architecture, Mutual Funds, Target Date Funds.

For small businesses, consider plan minimums and per-participant costs. Paychex is best for paychex payroll clients, small to mid-size businesses, companies wanting bundled hr+retirement, peo participants. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: Paychex charges $80 - $150/month + per-employee fees 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