Ubiquity Retirement + Savings review

Ubiquity is the pick for owners who dislike fees that rise with plan assets. Its pricing page promises flat-fee 401(k) pricing with $0 asset-based fees on every plan. Group plans start with Saver(k) at $97 a month plus $6 per eligible employee, with automatic enrollment and auto-escalation built in. Custom(k) at $177 a month adds free design help from a retirement plan consultant and an optional Safe Harbor design, and Reserve(k) at $257 a month adds 3(16) fiduciary services, SECURE 2.0 tax credit filing help and Form 5500 audit support. Every group plan carries a one-time $495 setup fee for new customers. For the self-employed, Single(k) costs $19 a month billed annually and lets you pick investments at a brokerage of your choice, while Single(k) Plus at $37.50 a month is recordkept by Ubiquity with Vanguard Admiral Class Funds. The trade-off against Human Interest is that fiduciary administration sits on the most expensive tier.

Who it is for

owners who want flat fees with no asset-based charges

Price

Solo Single(k) from $19 a month billed annually; group Saver(k) from $97 a month plus $6 per eligible employee; setup fees from $285.

Saver(k)® $97 / month Custom(k)® $177 / month Popular Reserve(k)® $257 / month Single(k)® $19 / month
Quoted from the vendor pricing page on November 14, 2026.

Key features

• Flat-fee pricing with $0 asset-based (AUM) fees
• Saver(k) group plan with automatic enrollment and auto-escalation from $97 a month plus $6 per eligible employee
• Custom(k) from $177 a month adds plan design help and an optional Safe Harbor 401(k)
• Reserve(k) from $257 a month adds 3(16) fiduciary services, SECURE 2.0 tax credit filing help and Form 5500 audit support
• Single(k) Plus solo plan from $37.50 a month with Vanguard Admiral Class Funds and target date funds

Strengths and weaknesses

• Strength: No asset-based fees, so costs do not grow with the balance
• Strength: Solo and group plans from one provider
• Strength: Free ERISA fidelity bond coverage for up to $1M in assets
• Weakness: One-time setup fee of $495 on group plans, $285 to $350 on solo plans
• Weakness: 3(16) fiduciary services only on the $257 Reserve(k) plan
• Weakness: Solo plans are billed annually

Key facts

• Group plans from: $97 a month + $6 per eligible employee
• Solo plans from: $19 a month, billed annually
• Asset-based fees: $0
• Group setup fee: $495

Where it ranks

Ubiquity Retirement + Savings is No. 5 in our Best 401K Providers verdict.