Overview
Ubiquity Retirement + Savings provides retirement plans for small businesses, startups, and self-employed individuals. It uses a flat-fee pricing model with monthly administration fees and setup fees, delivered through Paradigm RKS, a cloud-based platform that automates recordkeeping and plan management. The platform integrates with major payroll providers, handles IRS and Department of Labor compliance, and offers access to over 30,000 mutual funds and ETFs, with plan tiers Saver(k), Custom(k), and Reserve(k). It aims to make affordable, compliant, and easy-to-manage retirement plans that scale for over 16,000 small businesses across all 50 states, managing more than $3 billion in assets.
Work here?Claim your company
Simplify's take
What believers are saying
- August 11, 2026 Inc. 5000 recognition signals sustained growth and market traction.
- October 20, 2026 Inc. Power Partner award strengthens credibility with advisors and employers.
- September 2026 rebrand plus Advisor Partner Program broadens channels before 2027 state mandates.
What critics are saying
- Vanguard, Fidelity, and Empower compress pricing, threatening Ubiquity's flat-fee differentiation by 2027.
- Principal can internalize administration, making Ubiquity replaceable inside Simply Retirement partnerships.
- Any DOL or IRS compliance failure could trigger client churn and destroy trust quickly.
What makes Ubiquity Retirement and Savings unique
- 1999 founder Chad Parks built Ubiquity as a flat-fee 401(k) pioneer.
- Paradigm RKS automates recordkeeping, compliance, and payroll integrations for small businesses.
- Simply Retirement by Principal launched September 2026, validating Ubiquity's distribution and administration platform.
Help us improve and share your feedback! Did you find this helpful?