Updated 2026-03-20
Vestwell vs Ubiquity 401(k) Comparison
Compare Vestwell (#21, 6.5/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Vestwell | Ubiquity |
|---|---|---|
| Overall Score | 6.5/10 | 6.3/10 |
| Rank | #21 | #23 |
| AUM | $30 billion | $3.5 billion |
| Participants | 300,000 | 100,000 |
| Plan Sponsors | 25,000+ | 10,000+ |
| Founded | 2016 | 1999 |
Ratings Comparison
| Category | Vestwell | Ubiquity |
|---|---|---|
| Fees & Costs | 3.6/5 | 4.0/5 |
| Investment Options | 3.8/5 | 3.7/5 |
| Customer Service | 3.6/5 | 3.9/5 |
| Mobile App | 3.5/5 | 3.2/5 |
Fee Comparison
| Fee Type | Vestwell | Ubiquity |
|---|---|---|
| Admin Fees | Set by advisor/distributor | $115 - $250/month flat fee |
| Expense Ratios | 0.03% - 1.0% | 0.03% - 0.80% |
| Trading Fees | $0 | $0 |
| Advisory Fees | Set by financial advisor | Optional, varies |
Vestwell Strengths
- Modern API-first technology platform
- White-label options for advisors
- Open architecture investment lineup
- Integrates with 100+ payroll providers
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 | Vestwell | Ubiquity |
|---|---|---|
| Rollover Platform | Vestwell Portal | Ubiquity Portal |
| Loans Available | Yes | Yes |
| Withdrawal Methods | Through financial advisor, Plan administrator portal, Phone support | Online via Ubiquity portal, Phone (855-831-7344), Dedicated account manager |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Vestwell if you want:
- Financial advisors
- Payroll companies
- Institutional distributors
- State IRA mandate compliance
Choose Ubiquity if you want:
- Growing small businesses
- Cost-transparent seekers
- Companies with growing plan assets
- Custom plan designers
Our Verdict: Vestwell vs Ubiquity
Vestwell wins this comparison with a score of 6.5/10 vs 6.3/10. Vestwell excels with modern api-first technology platform, 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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Vestwell vs Ubiquity: Complete 401(k) Comparison for 2026
Choosing between Vestwell and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. Vestwell offers white label while Ubiquity is known for flat fee. In terms of fees, Vestwell charges 0.03% - 1.0% expense ratios compared to Ubiquity's 0.03% - 0.80%. Vestwell manages $30 billion in assets and serves 300,000 participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.
Key Differences: Vestwell vs Ubiquity
When comparing Vestwell and Ubiquity, consider their core strengths: Vestwell excels with modern api-first technology platform, 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. Vestwell's customer service rating is 3.6/5 compared to Ubiquity's 3.9/5. For mobile experience, Vestwell scores 3.5/5 while Ubiquity scores 3.2/5.
Which Provider is Right for You?
Choose Vestwell if you prioritize financial advisors. 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 Vestwell and Ubiquity provider pages.
Frequently Asked Questions
Vestwell scores higher in our 2026 rankings with 6.5/10. Vestwell is best for financial advisors, while Ubiquity is best for growing small businesses. The right choice depends on your employer's plan and your priorities.
Vestwell charges expense ratios of 0.03% - 1.0% with admin fees of Set by advisor/distributor. Ubiquity charges 0.03% - 0.80% expense ratios with admin fees of $115 - $250/month flat fee. Vestwell's fees rating is 3.6/5 compared to Ubiquity's 4.0/5.
Yes, you can roll over between Vestwell and Ubiquity. Vestwell uses Vestwell Portal for rollovers, while Ubiquity uses Ubiquity Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Vestwell 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.
Vestwell scores 3.8/5 for investment options, while Ubiquity scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. Vestwell's investment options include Open Architecture, Mutual Funds, Target Date Funds. Ubiquity offers Open Architecture, Mutual Funds, Target Date Funds.
For small businesses, consider plan minimums and per-participant costs. Vestwell is best for financial advisors, payroll companies, institutional distributors, state ira mandate compliance. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: Vestwell charges Set by advisor/distributor 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