Updated 2026-03-20
Ubiquity 401(k) Provider Review
Ubiquity Retirement + Savings offers flat-fee 401(k) plans designed for small businesses with transparent, predictable pricing.
Flat-Fee 401(k) for Small Business • Rank #23 • Score: 6.3/10 • Founded 1999 • San Francisco, CA
Ratings Breakdown
Pros and Cons
Advantages
- 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
- Dedicated account managers
- Custom plan design flexibility
Disadvantages
- Higher initial cost for very small plans
- Technology less polished than newer fintechs
- Limited brand awareness
- Fewer automated features
- Marketing materials less sophisticated
Ubiquity 401(k) Fees
| Fee Type | Amount |
|---|---|
| Administrative Fees | $115 - $250/month flat fee |
| Expense Ratios | 0.03% - 0.80% |
| Trading Fees | $0 |
| Advisory Fees | Optional, varies |
Ubiquity 401(k) Rollover Options
Rolling Into Ubiquity
Ubiquity Retirement + Savings accepts rollovers from 401(k), 403(b), and IRA accounts. Contact your dedicated account manager or call 855-831-7344 to initiate the rollover process. Ubiquity's open architecture platform means many fund positions from other providers can transfer in kind, avoiding unnecessary selling and rebuying of investments.
Platform: Ubiquity Portal
Rolling Out of Ubiquity
Request an outbound rollover by contacting your Ubiquity dedicated account manager at 855-831-7344. Direct rollovers to IRAs and new employer plans are available with no outgoing transfer fees. Your account manager can help coordinate the transfer timeline and paperwork.
Ubiquity 401(k) Withdrawals & Distributions
Withdrawal Methods
Distribution Options
Ubiquity processes withdrawals through their account management team. Each plan has a dedicated account manager who can walk you through withdrawal options and tax implications. Processing typically takes 3-5 business days. RMD calculations are handled by your account manager.
Ubiquity 401(k) Loans
Ubiquity 401(k) plans may allow participant loans up to $50,000 or 50% of the vested balance, whichever is less. Repayment terms up to 5 years (longer for primary home purchase). Interest rate is typically prime + 1%. Contact your dedicated account manager for specific loan terms and availability in your plan.
Investment Options
Key Features
Best For
- Growing small businesses
- Cost-transparent seekers
- Companies with growing plan assets
- Custom plan designers
Complete Ubiquity Retirement + Savings 401(k) Review for 2026
Ubiquity Retirement + Savings ranks #23 in our 2026 401(k) provider rankings with an overall score of 6.3 out of 10. Founded in 1999 and headquartered in San Francisco, CA, Ubiquity manages $3.5 billion in assets and serves 100,000 participants across 10,000+ plan sponsors.
Why Choose Ubiquity for Your 401(k)?
Ubiquity Retirement + Savings has offered flat-fee 401(k) plans for over 25 years, making them one of the most experienced independent providers in the small business retirement space. Their transparent pricing model charges a fixed monthly fee with no asset-based charges - meaning your costs stay exactly the same whether your plan has $100,000 or $10 million in assets. This makes Ubiquity increasingly cost-competitive as participants save more and plan balances grow.
Every Ubiquity plan includes a dedicated account manager who knows your plan and provides personalized service - a level of attention that's rare among providers serving small businesses. Their open architecture investment platform gives access to funds from multiple families, so you're not limited to one provider's proprietary products. Custom plan design flexibility means Ubiquity can accommodate unique vesting schedules, matching formulas, and contribution structures. For small businesses wanting predictable costs, experienced support, and investment flexibility, Ubiquity delivers proven value backed by over two decades of retirement plan expertise.
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Frequently Asked Questions
Ubiquity Retirement + Savings charges administrative fees that vary by plan size. Expense ratios range from 0.03% - 0.80%, and advisory fees are Optional, varies. Compare plans carefully as total costs depend on your plan size and investment selections.
You can log into your Ubiquity Retirement + Savings 401(k) account through the plan provider portal. Current and former employees can use the participant login page. First-time users will need to register with their Social Security number and date of birth.
Ubiquity Retirement + Savings ranks #23 in our 2026 provider rankings with a score of 6.3/10. They manage $3.5 billion in assets and serve 100,000 participants. They are particularly strong for Growing small businesses, Cost-transparent seekers, Companies with growing plan assets, Custom plan designers.
Yes, you can roll over your Ubiquity Retirement + Savings 401(k) to a Traditional IRA, Roth IRA, or a new employer plan. A direct rollover avoids mandatory tax withholding. Contact Ubiquity or your new provider to initiate the transfer.
Ubiquity Retirement + Savings offers a range of investment options including Open Architecture, Mutual Funds, Target Date Funds, Index Funds, ETFs. The specific fund lineup depends on your plan and may change periodically.
Ubiquity Retirement + Savings scores 6.3/10 overall with ratings of 4.0/5 for fees, 3.7/5 for investment options, 3.9/5 for customer service, and 3.2/5 for mobile app. Compare with other top providers on our comparison pages.
To roll into Ubiquity: Ubiquity Retirement + Savings accepts rollovers from 401(k), 403(b), and IRA accounts. Contact your dedicated account manager or call 855-831-7344 to initiate the rollover process. Ubiquity's open architecture platform means many fund positions from other providers can transfer in kind, avoiding unnecessary selling and rebuying of investments. To roll out: Request an outbound rollover by contacting your Ubiquity dedicated account manager at 855-831-7344. Direct rollovers to IRAs and new employer plans are available with no outgoing transfer fees. Your account manager can help coordinate the transfer timeline and paperwork. Use the Ubiquity Portal platform to manage your rollover.
Ubiquity Retirement + Savings offers withdrawals via Online via Ubiquity portal, Phone (855-831-7344), Dedicated account manager. Distribution options include Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions. Ubiquity processes withdrawals through their account management team. Each plan has a dedicated account manager who can walk you through withdrawal options and tax implications. Processing typically takes 3-5 business days. RMD calculations are handled by your account manager.
Ubiquity 401(k) plans may allow participant loans up to $50,000 or 50% of the vested balance, whichever is less. Repayment terms up to 5 years (longer for primary home purchase). Interest rate is typically prime + 1%. Contact your dedicated account manager for specific loan terms and availability in your plan.
Disclaimer: This review is for educational purposes only and is not financial advice. Provider details may change. Contact Ubiquity Retirement + Savings directly for the most current plan information.
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