Ubiquity
“Can a 25-year-old flat-fee 401(k) provider become the default retirement infrastructure for small businesses by out-pricing AUM-based competitors and winning on payroll integration depth?”
Founded1999
HQSan Francisco, CA, USA
IndustryFintech / Investment
The story
Ubiquity Retirement + Savings was founded as a disruptive flat-fee 401(k) provider for small businesses, competing against AUM-based incumbents like Fidelity and Vanguard. Over 25+ years, it has grown to serve 16,000+ businesses. It differentiates through transparent flat-fee pricing starting at $97/month and strong payroll integrations to automate contribution remittance. The embedded finance angle centers on connectivity: using Finch to read payroll data from dozens of underlying HR/payroll systems to automate 401(k) deferrals without manual entry.
Last 12 months
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Product timeline
1999
Founded as a flat-fee 401(k) plan provider targeting small businesses, differentiating on transparent pricing vs. AUM-based competitors.· banking
2020
Expanded plan menu to include Safe Harbor 401(k), Solo(k), and other plan types with flat-fee pricing model.· banking
The stack
2 layers disclosed in Ubiquity’s embedded-finance stack
Card issuing
Unified APIs
in the full report
Accounting gap: minor
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.