Updated 2026-03-20
Schwab vs Ubiquity 401(k) Comparison
Compare Charles Schwab (#3, 9.1/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Schwab | Ubiquity |
|---|---|---|
| Overall Score | 9.1/10 | 6.3/10 |
| Rank | #3 | #23 |
| AUM | $8.5 trillion | $3.5 billion |
| Participants | 28 million | 100,000 |
| Plan Sponsors | 3,200+ | 10,000+ |
| Founded | 1971 | 1999 |
Ratings Comparison
| Category | Schwab | Ubiquity |
|---|---|---|
| Fees & Costs | 4.5/5 | 4.0/5 |
| Investment Options | 4.7/5 | 3.7/5 |
| Customer Service | 4.7/5 | 3.9/5 |
| Mobile App | 4.5/5 | 3.2/5 |
Fee Comparison
| Fee Type | Schwab | Ubiquity |
|---|---|---|
| Admin Fees | $0 - varies by plan | $115 - $250/month flat fee |
| Expense Ratios | 0.03% - 0.80% | 0.03% - 0.80% |
| Trading Fees | $0 for stocks/ETFs | $0 |
| Advisory Fees | 0% - 0.80% | Optional, varies |
Schwab Strengths
- Excellent customer service with 24/7 support
- complete research and education tools
- Schwab Intelligent Portfolios (free robo-advisor)
- Strong integration after TD Ameritrade merger
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 | Schwab | Ubiquity |
|---|---|---|
| Rollover Platform | Schwab.com | Ubiquity Portal |
| Loans Available | Yes | Yes |
| Withdrawal Methods | Online via Schwab.com, Phone (800-724-7526), Schwab branch offices | Online via Ubiquity portal, Phone (855-831-7344), Dedicated account manager |
| Distribution Options | Lump sum, Partial withdrawal, Systematic withdrawals, Rollover to IRA | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Schwab if you want:
- Full-service seekers
- Active traders
- Those wanting local branches
- TD Ameritrade users
Choose Ubiquity if you want:
- Growing small businesses
- Cost-transparent seekers
- Companies with growing plan assets
- Custom plan designers
Our Verdict: Schwab vs Ubiquity
Charles Schwab wins this comparison with a score of 9.1/10 vs 6.3/10. Schwab excels with excellent customer service with 24/7 support, 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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Schwab vs Ubiquity: Complete 401(k) Comparison for 2026
Choosing between Charles Schwab and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. Schwab offers full service while Ubiquity is known for flat fee. In terms of fees, Schwab charges 0.03% - 0.80% expense ratios compared to Ubiquity's 0.03% - 0.80%. Schwab manages $8.5 trillion in assets and serves 28 million participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.
Key Differences: Schwab vs Ubiquity
When comparing Schwab and Ubiquity, consider their core strengths: Schwab excels with excellent customer service with 24/7 support, 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. Schwab's customer service rating is 4.7/5 compared to Ubiquity's 3.9/5. For mobile experience, Schwab scores 4.5/5 while Ubiquity scores 3.2/5.
Which Provider is Right for You?
Choose Schwab if you prioritize full-service 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 Schwab and Ubiquity provider pages.
Frequently Asked Questions
Charles Schwab scores higher in our 2026 rankings with 9.1/10. Schwab is best for full-service seekers, while Ubiquity is best for growing small businesses. The right choice depends on your employer's plan and your priorities.
Schwab charges expense ratios of 0.03% - 0.80% 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. Schwab's fees rating is 4.5/5 compared to Ubiquity's 4.0/5.
Yes, you can roll over between Schwab and Ubiquity. Schwab uses Schwab.com for rollovers, while Ubiquity uses Ubiquity Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Schwab 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.
Schwab scores 4.7/5 for investment options, while Ubiquity scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. Schwab'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. Schwab is best for full-service seekers, active traders, those wanting local branches, td ameritrade users. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: Schwab charges $0 - varies by plan 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