Ubiquity Retirement
401(k) software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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$19 per month
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What is Ubiquity Retirement
Ubiquity Retirement is a cloud-based platform used to set up and administer employer-sponsored retirement plans, including 401(k) plans. It supports plan administration workflows such as onboarding, contributions processing, participant account access, and required reporting. The product is typically used by small and mid-sized employers and their advisors/TPAs that want a packaged retirement plan offering with online administration. It is positioned as a bundled retirement solution that combines recordkeeping/administration with investment options and integrations for payroll data exchange.
End-to-end plan administration
The platform covers core retirement plan workflows such as plan setup, participant onboarding, contribution processing, and ongoing administration tasks. This reduces the need to stitch together separate tools for basic plan operations. It also provides participant-facing access for account information and common self-service actions.
Advisor and employer workflows
Ubiquity supports use cases where a financial advisor or plan professional helps manage employer plans, not only direct-to-employer administration. This can simplify coordination across employer, advisor, and service-provider roles. The product’s structure aligns with common small-plan distribution and servicing models.
Payroll data integration support
The product supports exchanging payroll and contribution data with payroll systems, which is a key operational requirement for 401(k) administration. This can reduce manual file handling and data entry for recurring contributions. Integration capability is an important differentiator in this category where operational efficiency often depends on payroll connectivity.
Limited public technical detail
Compared with some platforms in this category, there is limited publicly available documentation on APIs, data models, and integration methods. This can make it harder for buyers to evaluate fit for complex payroll environments or custom data flows. Organizations with strict IT/vendor assessment processes may need additional diligence during procurement.
Bundled model reduces flexibility
As a bundled retirement offering, plan sponsors may have fewer options to mix-and-match recordkeeping, administration, and investment components than with unbundled arrangements. This can matter for employers that want to standardize on a specific investment lineup, custodian, or external administrator. Switching components may require a broader vendor change.
May not suit complex plans
Employers with highly customized plan designs, multiple payrolls/entities, or advanced compliance needs may require deeper configuration and specialized servicing than a packaged SMB-oriented platform typically provides. In those cases, implementation effort and ongoing administration complexity can increase. Buyers should validate support for their specific plan provisions and reporting requirements.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| Saver(k) | $97 per month* + $6/mo per eligible employee | Expert-designed 401(k) for ready-to-go deployment; automatic enrollment with auto-escalation; + one-time $495 setup fee for new customers; $0 asset-based (AUM) fees. |
| Custom(k) | $177 per month* + $6/mo per eligible employee | Highly-customizable plan; free design assistance from a retirement plan consultant; optional Safe Harbor provision; + one-time $495 setup fee for new customers; $0 AUM fees. |
| Reserve(k) | $257 per month* + $6/mo per eligible employee | Robust customization and add-ons; SECURE 2.0 tax credit filing assistance; comprehensive 5500 audit support; 3(16) fiduciary services; + one-time $495 setup fee for new customers; $0 AUM fees. |
| Single(k) | $19 per month (billed annually)* | Solo 401(k) for up to 2 people; choose your own investments at a brokerage/custodian; + one-time $285 setup fee for new customers; flat fee, $0 AUM. |
| Single(k) Plus | $37.50 per month (billed annually)* | Record-kept solo 401(k) for up to 4 people; pre-selected investment options (e.g., Vanguard Admiral Class, Target Date funds); portal access and Ubiquity recordkeeping; + one-time $350 setup fee for new customers; $0 AUM. |
Seller details
Ubiquity Retirement + Savings
San Francisco, CA, USA
1999
Private
https://www.myubiquity.com/
https://www.linkedin.com/company/ubiquity-retirement-savings/
