Updated 2026-03-20
T. Rowe Price vs Ubiquity 401(k) Comparison
Compare T. Rowe Price (#5, 8.5/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | T. Rowe Price | Ubiquity |
|---|---|---|
| Overall Score | 8.5/10 | 6.3/10 |
| Rank | #5 | #23 |
| AUM | $1.3 trillion | $3.5 billion |
| Participants | 10 million | 100,000 |
| Plan Sponsors | 4,500+ | 10,000+ |
| Founded | 1937 | 1999 |
Ratings Comparison
| Category | T. Rowe Price | Ubiquity |
|---|---|---|
| Fees & Costs | 3.8/5 | 4.0/5 |
| Investment Options | 4.6/5 | 3.7/5 |
| Customer Service | 4.4/5 | 3.9/5 |
| Mobile App | 4.2/5 | 3.2/5 |
Fee Comparison
| Fee Type | T. Rowe Price | Ubiquity |
|---|---|---|
| Admin Fees | $0 - $50/year | $115 - $250/month flat fee |
| Expense Ratios | 0.30% - 1.2% | 0.03% - 0.80% |
| Trading Fees | $0 for T. Rowe Price funds | $0 |
| Advisory Fees | 0.30% - 1.25% | Optional, varies |
T. Rowe Price Strengths
- Excellent actively managed fund performance
- Best-in-class target date funds
- Strong research capabilities
- No-transaction-fee mutual fund 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 | T. Rowe Price | Ubiquity |
|---|---|---|
| Rollover Platform | Individual.troweprice.com | Ubiquity Portal |
| Loans Available | Yes | Yes |
| Withdrawal Methods | Online portal, Phone (800-225-5132) | 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 T. Rowe Price if you want:
- Active fund believers
- Target-date fund users
- Research-oriented investors
- Long-term holders
Choose Ubiquity if you want:
- Growing small businesses
- Cost-transparent seekers
- Companies with growing plan assets
- Custom plan designers
Our Verdict: T. Rowe Price vs Ubiquity
T. Rowe Price wins this comparison with a score of 8.5/10 vs 6.3/10. T. Rowe Price excels with excellent actively managed fund performance, 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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T. Rowe Price vs Ubiquity: Complete 401(k) Comparison for 2026
Choosing between T. Rowe Price and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. T. Rowe Price offers active management while Ubiquity is known for flat fee. In terms of fees, T. Rowe Price charges 0.30% - 1.2% expense ratios compared to Ubiquity's 0.03% - 0.80%. T. Rowe Price manages $1.3 trillion in assets and serves 10 million participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.
Key Differences: T. Rowe Price vs Ubiquity
When comparing T. Rowe Price and Ubiquity, consider their core strengths: T. Rowe Price excels with excellent actively managed fund performance, 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. T. Rowe Price's customer service rating is 4.4/5 compared to Ubiquity's 3.9/5. For mobile experience, T. Rowe Price scores 4.2/5 while Ubiquity scores 3.2/5.
Which Provider is Right for You?
Choose T. Rowe Price if you prioritize active fund believers. 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 T. Rowe Price and Ubiquity provider pages.
Frequently Asked Questions
T. Rowe Price scores higher in our 2026 rankings with 8.5/10. T. Rowe Price is best for active fund believers, while Ubiquity is best for growing small businesses. The right choice depends on your employer's plan and your priorities.
T. Rowe Price charges expense ratios of 0.30% - 1.2% with admin fees of $0 - $50/year. Ubiquity charges 0.03% - 0.80% expense ratios with admin fees of $115 - $250/month flat fee. T. Rowe Price's fees rating is 3.8/5 compared to Ubiquity's 4.0/5.
Yes, you can roll over between T. Rowe Price and Ubiquity. T. Rowe Price uses Individual.troweprice.com for rollovers, while Ubiquity uses Ubiquity Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
T. Rowe Price 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.
T. Rowe Price scores 4.6/5 for investment options, while Ubiquity scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. T. Rowe Price's investment options include Active 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. T. Rowe Price is best for active fund believers, target-date fund users, research-oriented investors, long-term holders. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: T. Rowe Price charges $0 - $50/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