Updated 2026-03-20
Ubiquity vs Employee Fiduciary 401(k) Comparison
Compare Ubiquity Retirement + Savings (#23, 6.3/10) and Employee Fiduciary (#24, 6.2/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Ubiquity | Employee Fiduciary |
|---|---|---|
| Overall Score | 6.3/10 | 6.2/10 |
| Rank | #23 | #24 |
| AUM | $3.5 billion | $6 billion |
| Participants | 100,000 | 80,000 |
| Plan Sponsors | 10,000+ | 3,000+ |
| Founded | 1999 | 2004 |
Ratings Comparison
| Category | Ubiquity | Employee Fiduciary |
|---|---|---|
| Fees & Costs | 4.0/5 | 4.8/5 |
| Investment Options | 3.7/5 | 3.2/5 |
| Customer Service | 3.9/5 | 4.2/5 |
| Mobile App | 3.2/5 | 2.5/5 |
Fee Comparison
| Fee Type | Ubiquity | Employee Fiduciary |
|---|---|---|
| Admin Fees | $115 - $250/month flat fee | $1,500/year + $30/participant |
| Expense Ratios | 0.03% - 0.80% | 0.03% - 0.15% |
| Trading Fees | $0 | $0 |
| Advisory Fees | Optional, varies | Included as 3(38) fiduciary |
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
Employee Fiduciary Strengths
- Full 3(38) investment fiduciary services included
- Among the lowest all-in costs
- Consistently rated best by independent reviewers
- Low-cost Vanguard fund lineup
Rollover, Loans & Withdrawals
| Feature | Ubiquity | Employee Fiduciary |
|---|---|---|
| Rollover Platform | Ubiquity Portal | Employee Fiduciary Portal |
| Loans Available | Yes | Yes |
| Withdrawal Methods | Online via Ubiquity portal, Phone (855-831-7344), Dedicated account manager | Phone (877-401-5100), Online portal |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Ubiquity if you want:
- Growing small businesses
- Cost-transparent seekers
- Companies with growing plan assets
- Custom plan designers
Choose Employee Fiduciary if you want:
- Cost-conscious small businesses
- Employers wanting fiduciary protection
- Index fund believers
- Plan sponsors seeking simplicity
Our Verdict: Ubiquity vs Employee Fiduciary
Ubiquity Retirement + Savings wins this comparison with a score of 6.3/10 vs 6.2/10. Ubiquity excels with true flat-fee pricing with no asset-based charges, 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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Ubiquity vs Employee Fiduciary: Complete 401(k) Comparison for 2026
Choosing between Ubiquity Retirement + Savings and Employee Fiduciary for your 401(k) is an important decision that affects your retirement savings. Ubiquity offers flat fee while Employee Fiduciary is known for 3(38) fiduciary. In terms of fees, Ubiquity charges 0.03% - 0.80% expense ratios compared to Employee Fiduciary's 0.03% - 0.15%. Ubiquity manages $3.5 billion in assets and serves 100,000 participants, while Employee Fiduciary has $6 billion AUM and 80,000 participants.
Key Differences: Ubiquity vs Employee Fiduciary
When comparing Ubiquity and Employee Fiduciary, consider their core strengths: Ubiquity excels with true flat-fee pricing with no asset-based charges, while Employee Fiduciary stands out for full 3(38) investment fiduciary services included. Both providers offer a wide range of investment options including target-date funds, index funds, and managed accounts. Ubiquity's customer service rating is 3.9/5 compared to Employee Fiduciary's 4.2/5. For mobile experience, Ubiquity scores 3.2/5 while Employee Fiduciary scores 2.5/5.
Which Provider is Right for You?
Choose Ubiquity if you prioritize growing small businesses. Choose Employee Fiduciary if you're looking for cost-conscious 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 Ubiquity and Employee Fiduciary provider pages.
Frequently Asked Questions
Ubiquity Retirement + Savings scores higher in our 2026 rankings with 6.3/10. Ubiquity is best for growing small businesses, while Employee Fiduciary is best for cost-conscious small businesses. The right choice depends on your employer's plan and your priorities.
Ubiquity charges expense ratios of 0.03% - 0.80% with admin fees of $115 - $250/month flat fee. Employee Fiduciary charges 0.03% - 0.15% expense ratios with admin fees of $1,500/year + $30/participant. Ubiquity's fees rating is 4.0/5 compared to Employee Fiduciary's 4.8/5.
Yes, you can roll over between Ubiquity and Employee Fiduciary. Ubiquity uses Ubiquity Portal for rollovers, while Employee Fiduciary uses Employee Fiduciary Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Ubiquity offers 401(k) loans. Employee Fiduciary offers 401(k) loans. Both providers typically allow loans up to 50% of your vested balance or $50,000, whichever is less.
Ubiquity scores 3.7/5 for investment options, while Employee Fiduciary scores 3.2/5. Both offer target-date funds, index funds, and managed accounts. Ubiquity's investment options include Open Architecture, Mutual Funds, Target Date Funds. Employee Fiduciary offers Vanguard Index Funds, Target Date Funds, Bond Funds.
For small businesses, consider plan minimums and per-participant costs. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Employee Fiduciary is best for cost-conscious small businesses, employers wanting fiduciary protection, index fund believers, plan sponsors seeking simplicity. Compare admin fees: Ubiquity charges $115 - $250/month flat fee vs Employee Fiduciary's $1,500/year + $30/participant.
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