Updated 2026-03-20
Transamerica vs Ubiquity 401(k) Comparison
Compare Transamerica (#11, 7.5/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Transamerica | Ubiquity |
|---|---|---|
| Overall Score | 7.5/10 | 6.3/10 |
| Rank | #11 | #23 |
| AUM | $300 billion | $3.5 billion |
| Participants | 6 million | 100,000 |
| Plan Sponsors | 35,000+ | 10,000+ |
| Founded | 1904 | 1999 |
Ratings Comparison
| Category | Transamerica | Ubiquity |
|---|---|---|
| Fees & Costs | 3.6/5 | 4.0/5 |
| Investment Options | 3.7/5 | 3.7/5 |
| Customer Service | 3.8/5 | 3.9/5 |
| Mobile App | 3.5/5 | 3.2/5 |
Fee Comparison
| Fee Type | Transamerica | Ubiquity |
|---|---|---|
| Admin Fees | $750 - $3,000/year | $115 - $250/month flat fee |
| Expense Ratios | 0.25% - 1.2% | 0.03% - 0.80% |
| Trading Fees | Plan dependent | $0 |
| Advisory Fees | 0.35% - 0.85% | Optional, varies |
Transamerica Strengths
- complete financial wellness programs
- Flexible plan design options
- Strong educational resources and tools
- Integrated workplace benefits platform
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 | Transamerica | Ubiquity |
|---|---|---|
| Rollover Platform | Transamerica.com | Ubiquity Portal |
| Loans Available | Yes | Yes |
| Withdrawal Methods | Online via Transamerica.com, Phone (800-755-5801) | Online via Ubiquity portal, Phone (855-831-7344), Dedicated account manager |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Transamerica if you want:
- Mid-sized companies
- Integrated benefits seekers
- Financial wellness focus
Choose Ubiquity if you want:
- Growing small businesses
- Cost-transparent seekers
- Companies with growing plan assets
- Custom plan designers
Our Verdict: Transamerica vs Ubiquity
Transamerica wins this comparison with a score of 7.5/10 vs 6.3/10. Transamerica excels with complete financial wellness programs, 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.
Other Popular Comparisons
Compare these 401(k) providers head-to-head
Vanguard vs UbiquityCompare these 401(k) providers head-to-head
Schwab vs UbiquityCompare these 401(k) providers head-to-head
Empower vs UbiquityCompare these 401(k) providers head-to-head
T. Rowe Price vs UbiquityCompare these 401(k) providers head-to-head
Principal vs UbiquityCompare these 401(k) providers head-to-head
Transamerica vs Ubiquity: Complete 401(k) Comparison for 2026
Choosing between Transamerica and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. Transamerica offers workplace benefits while Ubiquity is known for flat fee. In terms of fees, Transamerica charges 0.25% - 1.2% expense ratios compared to Ubiquity's 0.03% - 0.80%. Transamerica manages $300 billion in assets and serves 6 million participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.
Key Differences: Transamerica vs Ubiquity
When comparing Transamerica and Ubiquity, consider their core strengths: Transamerica excels with complete financial wellness programs, 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. Transamerica's customer service rating is 3.8/5 compared to Ubiquity's 3.9/5. For mobile experience, Transamerica scores 3.5/5 while Ubiquity scores 3.2/5.
Which Provider is Right for You?
Choose Transamerica if you prioritize mid-sized companies. 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 Transamerica and Ubiquity provider pages.
Frequently Asked Questions
Transamerica scores higher in our 2026 rankings with 7.5/10. Transamerica is best for mid-sized companies, while Ubiquity is best for growing small businesses. The right choice depends on your employer's plan and your priorities.
Transamerica charges expense ratios of 0.25% - 1.2% with admin fees of $750 - $3,000/year. Ubiquity charges 0.03% - 0.80% expense ratios with admin fees of $115 - $250/month flat fee. Transamerica's fees rating is 3.6/5 compared to Ubiquity's 4.0/5.
Yes, you can roll over between Transamerica and Ubiquity. Transamerica uses Transamerica.com for rollovers, while Ubiquity uses Ubiquity Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Transamerica 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.
Transamerica scores 3.7/5 for investment options, while Ubiquity scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. Transamerica'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. Transamerica is best for mid-sized companies, integrated benefits seekers, financial wellness focus. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: Transamerica charges $750 - $3,000/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