Top Sites>Ubiquity | Online Retirement Plans for Small Business

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# Ubiquity Retirement + Savings - llms.txt

> Founded in 1999, Ubiquity Retirement + Savings is a leading provider of affordable, technology-driven 401(k) retirement plans for small businesses. Originally known as The Online 401(k), the company was founded by Chad Parks to address the retirement plan needs of small businesses with flat, transparent, and fair fee structures.

## Homepage
[Ubiquity | Online Retirement Plans for Small Business](https://www.myubiquity.com/)

## Get Started
[Get Started](https://www.myubiquity.com/get-started)

## Products

### 401(k) A retirement plan for your employees that also benefits your company taxes
[401(k) A retirement plan for your employees that also benefits your company taxes](https://www.myubiquity.com/products/business-401k)

### Safe Harbor 401(k) A plan design that maximizes contributions while satisfying nondiscrimination testing requirements
[Safe Harbor 401(k) A plan design that maximizes contributions while satisfying nondiscrimination testing requirements](https://www.myubiquity.com/products/safe-harbor)

### Solo 401(k) A tax-advantaged retirement option for the self-employed
[Solo 401(k) A tax-advantaged retirement option for the self-employed](https://www.myubiquity.com/products/solo-401k)

## Industries

### Construction
[Construction](https://www.myubiquity.com/industries/retirement-plans-for-construction-companies)

### Dentistry
[Dentistry](https://www.myubiquity.com/industries/retirement-plans-for-dental-practices)

### Healthcare
[Healthcare](https://www.myubiquity.com/industries/retirement-plans-for-healthcare-workers)

### Legal Services
[Legal Services](https://www.myubiquity.com/industries/retirement-plans-for-legal-practitioners)

### Technology
[Technology](https://www.myubiquity.com/industries/retirement-plans-for-tech-companies)

## Calculators & Tools

### 401(k) Plan Costs and Potential Savings Calculator
[401(k) Costs & Savings Calculator Estimate the expenses and tax breaks from opening a new 401(k) plan.](https://www.myubiquity.com/calculators/401-k-plan-costs-and-potential-savings)

### Salary Paycheck Calculator
[Salary Paycheck Calculator](https://www.myubiquity.com/calculators/salary-paycheck-calculator)

### Retirement Calculator
[Retirement Calculator](https://www.myubiquity.com/calculators/retirement-calculator)

### 401(k) Employer Match Credit Savings Calculator
[401(k) Employer Match Credit Savings Calculator](https://www.myubiquity.com/calculators/401k-employer-match-credit-savings-calculator)

### 401(k) Flat Fees vs AUM Fees Calculator
[401(k) Flat Fees vs. AUM Fees Calculator See how our flat fees can positively impact you over time.](https://www.myubiquity.com/calculators/401k-flat-fees-vs-aum-fees-calculator)

### Solo 401(k) Calculator
[Solo 401(k) Calculator](https://www.myubiquity.com/calculators/solo-401k-calculator)

### All Calculators
[Calculators](https://www.myubiquity.com/calculators)

## Pricing & Information

### Pricing
[Pricing](https://www.myubiquity.com/pricing)

### Integrations
[Integrations](https://www.myubiquity.com/integrations)

### Integrations Signup
[Integrations Signup](https://www.myubiquity.com/integrations-signup)

## Partners

### Financial Advisors Deliver low fee 401(k) plans for your clients with little effort at zero cost to you
[Financial Advisors Deliver low fee 401(k) plans for your clients with little effort at zero cost to you](https://www.myubiquity.com/financial-advisors)

### Become a Partner Join our network and grow your business with our hassle-free, cost-efficient solutions
[Become a Partner Join our network and grow your business with our hassle-free, cost-efficient solutions](https://www.myubiquity.com/become-partner)

## Resources & Learning

### All Resources
[All Resources](https://www.myubiquity.com/resources)

### Blog
[Blog](https://www.myubiquity.com/blog)

### Guides
[Guides](https://www.myubiquity.com/guides)

### Webinars
[Webinars](https://www.myubiquity.com/webinars)

### Legislation
[Legislation](https://www.myubiquity.com/legislation)

### SECURE 2.0 Act
[SECURE 2.0 Act](https://www.myubiquity.com/legislation/secure-2-0-act)

### State Mandated Retirement Programs
[State Mandated Retirement Programs](https://www.myubiquity.com/legislation/state-mandated-retirement-programs)

### Old Legislation
[Old Legislation](https://www.myubiquity.com/old-legislation-2)

## Key Educational Resources

### 3/16 Fiduciary: Simplifying Retirement Plan Management
[3/16 Fiduciary: Simplifying Retirement Plan Management](https://www.myubiquity.com/resources/3-16-fiduciary-simplifying-retirement-plan-management)

### 3/21 Investment Fiduciary Services
[3/21 Investment Fiduciary Services](https://www.myubiquity.com/resources/3-21-investment-fiduciary-services)

### 401(k) Benefits
[401(k) Benefits](https://www.myubiquity.com/resources/401-k-benefits)

### 401(k) Compliance Calendar
[401(k) Compliance Calendar](https://www.myubiquity.com/resources/401-k-compliance-calendar)

### 401(k) Contribution Deadlines
[401(k) Contribution Deadlines](https://www.myubiquity.com/resources/401-k-contribution-deadlines)

### 401(k) Cost
[401(k) Cost](https://www.myubiquity.com/resources/401-k-cost)

### 401(k) Nondiscrimination Testing
[401(k) Nondiscrimination Testing](https://www.myubiquity.com/resources/401-k-nondiscrimination-testing)

### 401(k) Plan Administrator Responsibilities
[401(k) Plan Administrator Responsibilities](https://www.myubiquity.com/resources/401-k-plan-administrator-responsibilities)

### 401(k) Profit Sharing Plan
[401(k) Profit Sharing Plan](https://www.myubiquity.com/resources/401-k-profit-sharing-plan)

### 401(k) Recordkeeping
[401(k) Recordkeeping](https://www.myubiquity.com/resources/401-k-recordkeeping)

### 401(k) Retirement Planning
[401(k) Retirement Planning](https://www.myubiquity.com/resources/401-k-retirement-planning)

### 401(k) Rollover
[401(k) Rollover](https://www.myubiquity.com/resources/401-k-rollover)

### 401(k) Safe Harbor Contribution Limits
[401(k) Safe Harbor Contribution Limits](https://www.myubiquity.com/resources/401-k-safe-harbor-contribution-limits)

### 401(k) Withdrawal
[401(k) Withdrawal](https://www.myubiquity.com/resources/401-k-withdrawal)

### 401k Comprehensive Glossary
[401k Comprehensive Glossary](https://www.myubiquity.com/resources/401k-comprehensive-glossary)

### 401k Hardship Withdrawal Rules
[401k Hardship Withdrawal Rules](https://www.myubiquity.com/resources/401k-hardship-withdrawal-rules)

### 401k Loans Rules - What to Know in 2025
[401k Loans Rules - What to Know in 2025](https://www.myubiquity.com/resources/401k-loans-rules-what-to-know-in-2025)

### 401k Pricing: Flat Fees vs Percentage Fees
[401k Pricing: Flat Fees vs Percentage Fees](https://www.myubiquity.com/resources/401k-pricing-flat-fees-vs-percentage-fees)

### Annual Contribution Limits
[Annual Contribution Limits](https://www.myubiquity.com/resources/annual-contribution-limits)

### Annual IRS Contribution Limits
[Annual IRS Contribution Limits](https://www.myubiquity.com/resources/annual-irs-contribution-limits)

### Blueprint to Retirement Planning
[Blueprint to Retirement Planning](https://www.myubiquity.com/resources/blueprint-to-retirement-planning)

### Catch-up Contributions and SECURE 2.0: What to Know and Next Steps
[Catch-up Contributions and SECURE 2.0: What to Know and Next Steps](https://www.myubiquity.com/resources/catch-up-contributions-and-secure-2-0-what-to-know-and-next-steps)

### Compound Interest: Unlocking the Power of Growth in Your 401(k) Plan
[Compound Interest: Unlocking the Power of Growth in Your 401(k) Plan](https://www.myubiquity.com/resources/compound-interest-unlocking-the-power-of-growth-in-your-401-k-plan)

### Contribution Limits for High Earners
[Contribution Limits for High Earners](https://www.myubiquity.com/resources/contribution-limits-for-high-earners)

### Distribution Rules
[Distribution Rules](https://www.myubiquity.com/resources/distribution-rules)

### Employee Guide to 401k Plans
[Employee Guide to 401k Plans](https://www.myubiquity.com/resources/employee-guide-to-401k-plans)

### How to Open 401k for Small Business
[How to Open 401k for Small Business](https://www.myubiquity.com/resources/how-to-open-401k-for-small-business)

### How to Open a Solo 401k
[How to Open a Solo 401k](https://www.myubiquity.com/resources/how-to-open-a-solo-401k)

### IRA vs 401(k) - What are the Differences
[IRA vs 401(k) - What are the Differences](https://www.myubiquity.com/resources/ira-vs-401-k---what-are-the-differences)

### Mega Backdoor Roth
[Mega Backdoor Roth](https://www.myubiquity.com/resources/mega-backdoor-roth)

### Required Minimum Distributions
[Required Minimum Distributions](https://www.myubiquity.com/resources/required-minimum-distributions)

### Retirement Planning
[Retirement Planning](https://www.myubiquity.com/resources/retirement-planning)

### Roth 401(k)
[Roth 401(k)](https://www.myubiquity.com/resources/roth-401-k)

### Roth Solo 401(k)
[Roth Solo 401(k)](https://www.myubiquity.com/resources/roth-solo-401-k)

### Safe Harbor 401k Guide for Your Small Business
[Safe Harbor 401k Guide for Your Small Business](https://www.myubiquity.com/resources/safe-harbor-401k-guide-for-your-small-business)

### SECURE 2.0 Act
[SECURE 2.0 Act](https://www.myubiquity.com/resources/secure-2-0-act)

### SECURE Act 2.0 Guide
[SECURE Act 2.0 Guide](https://www.myubiquity.com/resources/secure-act-2-0-guide)

### Simple IRA vs 401(k): Which is Better for Small Business
[Simple IRA vs 401(k): Which is Better for Small Business](https://www.myubiquity.com/resources/simple-ira-vs-401-k-which-is-better-for-small-business)

### Small Business 401(k) Plans
[Small Business 401(k) Plans](https://www.myubiquity.com/resources/small-business-401-k-plans)

### Small Business Retirement Plans
[Small Business Retirement Plans](https://www.myubiquity.com/resources/small-business-retirement-plans)

### Solo 401(k) for Real Estate Agents and Mortgage Brokers
[Solo 401(k) for Real Estate Agents and Mortgage Brokers](https://www.myubiquity.com/resources/solo-401-k-for-real-estate-agents-and-mortgage-brokers)

### Solo 401(k) Loans
[Solo 401(k) Loans](https://www.myubiquity.com/resources/solo-401-k-loans)

### Solo 401(k) Provider
[Solo 401(k) Provider](https://www.myubiquity.com/resources/solo-401-k-provider)

### The Complete Solo 401k Starter Guide
[The Complete Solo 401k Starter Guide](https://www.myubiquity.com/resources/the-complete-solo-401k-starter-guide)

### Understanding Form 5500
[Understanding Form 5500](https://www.myubiquity.com/resources/understanding-form-5500)

## State Mandated Programs

### CalSavers Program
[CalSavers Program](https://www.myubiquity.com/resources/calsavers-program)

### Delaware Earns Program
[Delaware Earns Program](https://www.myubiquity.com/resources/delaware-earns-program)

### MarylandSaves Program
[MarylandSaves Program](https://www.myubiquity.com/resources/marylandsaves-program)

### Minnesota Secure Choice Program
[Minnesota Secure Choice Program](https://www.myubiquity.com/resources/minnesota-secure-choice-program)

### RetirePath VA
[RetirePath VA](https://www.myubiquity.com/resources/retirepath-va)

### RetireReady NJ Program
[RetireReady NJ Program](https://www.myubiquity.com/resources/retireready-nj-program)

### Vermont Saves Program
[Vermont Saves Program](https://www.myubiquity.com/resources/vermont-saves-program)

## Support & Contact

### Help Center
[Help Center](https://myubiquity.my.site.com/help/s/)

### Contact Us
[Contact Us](https://www.myubiquity.com/contact-us)

### Customer Support
[Customer Support](https://www.myubiquity.com/customersupport)

### Free Consultation
[Free Consultation](https://www.myubiquity.com/free-consultation)

### FAQs
[FAQs](https://www.myubiquity.com/faq)

### Login FAQ
[Login FAQ](https://www.myubiquity.com/login-faq)

### Two-Factor Authentication FAQ
[Two-Factor Authentication FAQ](https://www.myubiquity.com/two-factor-authentication-faq)

### Automated Clearing House FAQ
[Automated Clearing House FAQ](https://www.myubiquity.com/automated-clearing-house-faq)

### Cycle 3 Post-PPA Restatement FAQ
[Cycle 3 Post-PPA Restatement FAQ](https://www.myubiquity.com/cycle-3-post-ppa-restatement-faq)

### SECURE Act FAQs
[SECURE Act FAQs](https://www.myubiquity.com/secure-act-faqs)

### 5500 FAQ
[5500 FAQ](https://www.myubiquity.com/5500-faq)

## Company Information

### About Us
[About Us](https://www.myubiquity.com/about-us)

### Careers
[Careers](https://www.myubiquity.com/careers)

### Pressroom
[Pressroom](https://www.myubiquity.com/pressroom)

### CensiblyYours
[CensiblyYours](https://www.myubiquity.com/censiblyyours)

## Legal & Policies

### Terms of Service
[Terms of Service](https://www.myubiquity.com/terms-of-service)

### Privacy Policy
[Privacy](https://www.myubiquity.com/privacy-policy)

### Disclaimers
[Disclaimers](https://www.myubiquity.com/disclaimers)

### Security Assurance Policy
[Security Assurance Policy](https://www.myubiquity.com/security-assurance-policy)

### Matrix Client Agreement
[Matrix Client Agreement](https://www.myubiquity.com/matrix-client-agreement)

## Platform Access

### Login
[Login](https://secure.myubiquity.com/login)

### Sitemap
[Sitemap](https://www.myubiquity.com/sitemap)

## Authors & Contributors

### Adam Bush
[Adam Bush](https://www.myubiquity.com/authors/adam-bush)

### Andrew Meadows
[Andrew Meadows](https://www.myubiquity.com/authors/andrew-meadows)

### Chad Parks
[Chad Parks](https://www.myubiquity.com/authors/chad-parks)

### Connie Lee
[Connie Lee](https://www.myubiquity.com/authors/connie-lee)

### Cristina Martinez
[Cristina Martinez](https://www.myubiquity.com/authors/cristina-martinez)

### Jason Gross
[Jason Gross](https://www.myubiquity.com/authors/jason-gross)

### Jay Jacob
[Jay Jacob](https://www.myubiquity.com/authors/jay-jacob)

### Jefferson Baniqued
[Jefferson Baniqued](https://www.myubiquity.com/authors/jefferson-baniqued)

### Karen Benewith
[Karen Benewith](https://www.myubiquity.com/authors/karen-benewith)

### Mich Wells
[Mich Wells](https://www.myubiquity.com/authors/mich-wells)

### Mike Cohen AIF
[Mike Cohen AIF](https://www.myubiquity.com/authors/mike-cohen-aif)

### Robby Forsythe
[Robby Forsythe](https://www.myubiquity.com/authors/robby-forsythe)

### Sian Killingsworth
[Sian Killingsworth](https://www.myubiquity.com/authors/sian-killingsworth)

## Release Notes

### December 2024 Release
[December 2024 Release](https://www.myubiquity.com/release-notes/december-2024-release)

### November 2024 Release
[November 2024 Release](https://www.myubiquity.com/release-notes/november-2024-release)

## Partner Network

### Accounting Seed
[Accounting Seed](https://www.myubiquity.com/partners/accounting-seed)

### Accruity
[Accruity](https://www.myubiquity.com/partners/accruity)

### Altegi
[Altegi](https://www.myubiquity.com/partners/altegi)

### Apex
[Apex](https://www.myubiquity.com/partners/apex)

### BamNJosh
[BamNJosh](https://www.myubiquity.com/partners/bamnjosh)

### Bench
[Bench](https://www.myubiquity.com/partners/bench)

### Carbon Collective
[Carbon Collective](https://www.myubiquity.com/partners/carbon-collective)

### Certified Advisor Pros
[Certified Advisor Pros](https://www.myubiquity.com/partners/certified-advisor-pros)

### Ceterus
[Ceterus](https://www.myubiquity.com/partners/ceterus)

### Collective
[Collective](https://www.myubiquity.com/partners/collective)

### CompFino
[CompFino](https://www.myubiquity.com/partners/compfino)

### CoverRight
[CoverRight](https://www.myubiquity.com/partners/coverright)

### Dental Investment Group
[Dental Investment Group](https://www.myubiquity.com/partners/dental-investment-group)

### Dental Nachos
[Dental Nachos](https://www.myubiquity.com/partners/dental-nachos)

### Dental Wisdom
[Dental Wisdom](https://www.myubiquity.com/partners/dental-wisdom)

### Fast Funds Link
[Fast Funds Link](https://www.myubiquity.com/partners/fast-funds-link)

### Herod CPA PLLC
[Herod CPA PLLC](https://www.myubiquity.com/partners/herod-cpa-pllc)

### Lloyd Financial Group
[Lloyd Financial Group](https://www.myubiquity.com/partners/lloyd-financial-group)

### Long Term Mindset
[Long Term Mindset](https://www.myubiquity.com/partners/long-term-mindset)

### Money Talk with Tiff
[Money Talk with Tiff](https://www.myubiquity.com/partners/money-talk-with-tiff)

### ODs on Finance
[ODs on Finance](https://www.myubiquity.com/partners/ods-on-finance)

### Oregon Restaurant & Lodging Association
[Oregon Restaurant & Lodging Association](https://www.myubiquity.com/partners/oregon-restaurant-lodging-association)

### Paylocity
[Paylocity](https://www.myubiquity.com/partners/paylocity)

### Pilot
[Pilot](https://www.myubiquity.com/partners/pilot)

### Rippling
[Rippling](https://www.myubiquity.com/partners/rippling)

### SoCal Contracting Services
[SoCal Contracting Services](https://www.myubiquity.com/partners/socal-contracting-services)

### STP Brokerage
[STP Brokerage](https://www.myubiquity.com/partners/stp-brokerage)

### SVN
[SVN](https://www.myubiquity.com/partners/svn)

### The College Investor
[The College Investor](https://www.myubiquity.com/partners/the-college-investor)

### The Insurance Fiduciary
[The Insurance Fiduciary](https://www.myubiquity.com/partners/the-insurance-fiduciary)

### TheTaxGuySF
[TheTaxGuySF](https://www.myubiquity.com/partners/thetaxguysf)

### Titan 401k
[Titan 401k](https://www.myubiquity.com/partners/titan-401k)

### TruBlue
[TruBlue](https://www.myubiquity.com/partners/trublue)

---

## Company Overview

Ubiquity Retirement + Savings specializes in small business retirement plans with a mission to empower small businesses and their employees to create secure financial futures through advanced technology, world-class support, and affordable retirement solutions. The company is known for being the highest-rated and lowest-cost small business retirement plan provider.

### Core Values
- Flat, transparent, and fair pricing
- Technology-driven solutions  
- Human intelligence combined with automation
- Equitable retirement opportunities for all small businesses

### Key Product Categories
- **Business 401(k)**: Traditional retirement plans for small businesses that benefit company taxes
- **Safe Harbor 401(k)**: Plan design that maximizes contributions while satisfying nondiscrimination testing requirements  
- **Solo 401(k)**: Tax-advantaged retirement option designed specifically for self-employed individuals

### Industry Specializations
- Construction companies
- Dental practices
- Healthcare workers
- Legal practitioners
- Technology companies

### Target Audience
**Primary**: Small business owners (2-100+ employees), self-employed individuals and freelancers, entrepreneurs and startups, growing businesses seeking cost-effective retirement benefits

**Secondary**: Financial advisors serving small businesses, CPAs and accounting firms, HR consultants and benefits brokers, payroll service providers

### Competitive Advantages
- 25+ years of small business retirement plan expertise
- Flat-fee pricing structure (vs. percentage-based fees)
- High customer satisfaction ratings
- Technology-first approach with human support
- Comprehensive compliance support
- Industry-specific expertise and solutions

### Key Content Areas
- 401(k) compliance and nondiscrimination testing guidance
- SECURE Act and SECURE 2.0 Act implementation guides
- State-mandated retirement program information
- Retirement planning strategies for small businesses
- Form 5500 filing requirements and guidance
- Safe Harbor contribution rules and limits
- Annual IRS contribution limits updates
- ERISA compliance requirements
- Plan administrator responsibilities