Ubiquity
“Can a flat-fee 401(k) recordkeeper become the automated, embedded retirement infrastructure layer for small business payroll ecosystems?”
HQUnited States
IndustryFintech / Lending
The story
Founded over 25 years ago as a 401(k) recordkeeper focused on small businesses, Ubiquity differentiated itself through flat, transparent pricing. Over time it has expanded its infrastructure by adopting embedded finance tooling — partnering with Helix by Q2 for embedded finance delivery and Finch for payroll/HRIS data aggregation. The business now operates as a full-service 401(k) provider managing compliance and fund investment across thousands of plans, with automation at the core of its operational model.
Last 12 months
Product timeline
2000
Ubiquity founded to offer 401(k) retirement plans with flat, transparent pricing for small businesses — a differentiated model at the time.· banking
2024
Ubiquity partnered with Helix by Q2 to deliver embedded finance customer experiences, as reported by IBS Intelligence.· banking
2024
Ubiquity integrated Finch to automate payroll data access, reducing sponsor onboarding time by 99% and saving 80 hours per week on manual operations.· pivot
The stack
Banking / BaaS
Accounting gap: none