Welcome to The Online 401(k)® - Powered by Ubiquity Retirement + Savings

Your #1 resource for affordable small business 401k plans, powered by Ubiquity Retirement + Savings.

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Cut through the complexity of choosing and customizing the right 401k plan. You'll be ready to go in just a few clicks.
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The Online 401(k)®, now Ubiquity Retirement + Savings™ is the original flat fee small business 401k provider, helping more than 100k employees save more than $2 billion dollars since 1999.

Why The Online 401(k)?

Welcome to affordable

The Online 401(k) and Ubiquity offer flat fees and transparent pricing with no minimum balances and no asset-based fees. Period.

100% online and paper-free

Run reports, check account balances, manage your portfolio, and all with the click of a button. Plus, we’re friendly from all your devices.

Be competitive for less

With a retirement plan from us, you can offer more for less and with nothing in the fine print.

No time, no problem

You’re an entrepreneur, we get it. Time is money. Your retirement plan will take you about 15 to 30 minutes to manage – or less. Plus, we integrate with most payroll providers.

Investments (nearly) unlimited

Are you or your employees hands on or hands off? However you approach investments, we have you and so do our trusted third-party investment experts.

Expert Advice

Our retirement plan consultants/experts will work closely with you to develop a retirement strategy that meets your needs and delivers beyond what you may have thought possible.

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Deep dive into resources

Small Business 401k Misconceptions

There are many small business 401k misconceptions which are largely due to small business owners...

5 Easy Tips to Make Tax Time Less Taxing

This year’s tax time deadline is April 17, 2018. To help you prepare, our partner, TaxAct, compiled these...

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