Updated 2026-03-20

Prudential vs Ubiquity 401(k) Comparison

Compare Prudential Financial (#12, 7.4/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.

Overall Comparison

FeaturePrudentialUbiquity
Overall Score7.4/106.3/10
Rank#12#23
AUM$1.4 trillion$3.5 billion
Participants5 million100,000
Plan Sponsors25,000+10,000+
Founded18751999

Ratings Comparison

CategoryPrudentialUbiquity
Fees & Costs3.5/54.0/5
Investment Options3.7/53.7/5
Customer Service3.9/53.9/5
Mobile App3.6/53.2/5

Fee Comparison

Fee TypePrudentialUbiquity
Admin Fees$1,000 - $4,000/year$115 - $250/month flat fee
Expense Ratios0.20% - 1.1%0.03% - 0.80%
Trading FeesPlan dependent$0
Advisory Fees0.40% - 0.90%Optional, varies

Prudential Strengths

Ubiquity Strengths

Rollover, Loans & Withdrawals

FeaturePrudentialUbiquity
Rollover PlatformPrudential via EmpowerUbiquity Portal
Loans AvailableYesYes
Withdrawal MethodsOnline via Empower platform, Phone (877-778-2100)Online via Ubiquity portal, Phone (855-831-7344), Dedicated account manager
Distribution OptionsLump sum, Partial withdrawal, Installment payments, Guaranteed lifetime income (IncomeFlex), Rollover to IRALump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions

Which Should You Choose?

Choose Prudential if you want:

  • Guaranteed income seekers
  • Large employers
  • Insurance-focused planning

Choose Ubiquity if you want:

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

Our Verdict: Prudential vs Ubiquity

Prudential Financial wins this comparison with a score of 7.4/10 vs 6.3/10. Prudential excels with strong guaranteed income options, 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 Prudential Review Full Ubiquity Review

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

Choosing between Prudential Financial and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. Prudential offers guaranteed income while Ubiquity is known for flat fee. In terms of fees, Prudential charges 0.20% - 1.1% expense ratios compared to Ubiquity's 0.03% - 0.80%. Prudential manages $1.4 trillion in assets and serves 5 million participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.

Key Differences: Prudential vs Ubiquity

When comparing Prudential and Ubiquity, consider their core strengths: Prudential excels with strong guaranteed income options, 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. Prudential's customer service rating is 3.9/5 compared to Ubiquity's 3.9/5. For mobile experience, Prudential scores 3.6/5 while Ubiquity scores 3.2/5.

Which Provider is Right for You?

Choose Prudential if you prioritize guaranteed income seekers. 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 Prudential and Ubiquity provider pages.

Frequently Asked Questions

Prudential Financial scores higher in our 2026 rankings with 7.4/10. Prudential is best for guaranteed income seekers, while Ubiquity is best for growing small businesses. The right choice depends on your employer's plan and your priorities.

Prudential charges expense ratios of 0.20% - 1.1% 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. Prudential's fees rating is 3.5/5 compared to Ubiquity's 4.0/5.

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

Prudential 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.

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

For small businesses, consider plan minimums and per-participant costs. Prudential is best for guaranteed income seekers, large employers, insurance-focused planning. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: Prudential 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