Ubiquity Retirement + Savings

What Ubiquity Retirement + Savings does

Ubiquity Retirement + Savings (legal entity Decimal, Inc.) is a San Francisco-based financial services company founded in 1999 that administers 401(k) retirement plans for small businesses, self-employed individuals, and the financial advisors who serve them. The company offers three core plan designs—a standard 401(k), a Safe Harbor 401(k) for nondiscrimination compliance, and a Solo 401(k) for owner-operators—alongside industry-tailored configurations for construction, dental, healthcare, legal, and technology SMBs. These plans run on Paradigm RKS, Ubiquity's proprietary cloud-based recordkeeping platform, which delivers automated workflows, plug-and-play payroll integrations with providers such as Gusto, ADP, and Paychex, automated compliance and government reporting, access to over 30,000 investment funds, and an advisor-specific portal.

The business operates on a transparent flat-fee subscription model, with group plans starting at $97/month and no charges tied to account growth, directly contrasting with the AUM-based pricing typical of incumbent providers. Ubiquity distributes through a hybrid go-to-market: a self-service online platform for SMBs, free consultations for guided buyers, and a financial advisor / RIA channel program plus a Partner Marketplace for indirect sales. The firm reports serving 16,000+ businesses and 100,000+ employees with $4B+ in assets under administration, has been recognized 12 times on the Inc. 5000 (earning Hall of Fame status in 2025), and employs 51–100 people. Leadership comprises CEO James Hobson (appointed January 2026), COO Nasrin Mazooji, and CFO Tim Cowart. The company has raised approximately $20M in disclosed external funding across its lifetime and shows no public listing or parent-company structure.

Name

Ubiquity Retirement + Savings

Legal name

Decimal, Inc.

Website

https://myubiquity.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

51–100 employees

Short description

Ubiquity Retirement + Savings is a San Francisco-based provider of flat-fee 401(k) plans and recordkeeping services for U.S. small businesses, self-employed individuals, and financial advisors, running on its proprietary cloud-based Paradigm RKS platform.

Ownership category

akta.pro rank

Product category

Retirement Plan Administration

NAICS

Pension Funds (525110), Pension Funds (52511)

SIC

Investment Advice (6282)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industries

Retirement Income Planning & Decumulation Advisory (FSAEABAD), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF), Savings Automation & Goal-Based Savings (FSAGADAC)

Keywords

• Small business 401(k) plans
• Retirement plan administration
• Flat fee recordkeeping
• Solo retirement plans
• Payroll integration services

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Flat-Fee 401(k) Plan Administration: Monthly flat fees for recordkeeping and administrative services. Group plans start at $97/month. No hidden fees and no charges as accounts grow, differentiating from AUM (Assets Under Management) fee models used by traditional providers.
2. Third-Party Asset-Based Fees: Third-party service providers may assess asset-based fees to customers separately. Plan sponsors advised to review all service agreements with providers such as investment advisors, custodians, and broker-dealers.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Ubiquity Retirement + Savings (legal entity: Decimal, Inc.) provides flat-fee, full-service 401(k) retirement plan administration for small businesses, self-employed individuals, and the financial advisors who serve them. Plans are delivered through a cloud-based proprietary recordkeeping platform (Paradigm RKS) that automates payroll integration, compliance, and trading, giving plan sponsors access to over 30,000 investment funds.

Product overview

Ubiquity Retirement + Savings offers a unified platform of retirement planning products centered on its proprietary Paradigm RKS™ cloud-based recordkeeping system. The core product portfolio consists of three 401(k) plan types: the standard 401(k) Plan for small businesses, the Safe Harbor 401(k) for nondiscrimination compliance, and the Solo 401(k) for self-employed individuals. These plans are supported by the Paradigm RKS platform, which provides 99% digital recordkeeping, automated workflows, plug-and-play payroll integration, and access to over 30,000 investment funds. Additional offerings include fee comparison calculators, a financial advisors partner program, and industry-specific plan configurations for construction, dentistry, healthcare, legal services, and technology sectors. The company operates on a transparent flat-fee model with no AUM-based charges.

Differentiator

Problem solved

Functional benefit

Brands

• Paradigm RKS™: Cloud-based recordkeeping system developed by Ubiquity for small business 401(k) administration, enabling automated workflows and a fully digital interface with access to over 30,000 investment funds.

Products and services

• 401(k) Plan

Quantifiable outcome

• Save thousands yearly without AUM fees
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• Financial Advisors / RIAscoreChannel Partner/ Reseller/ DistributorPartnership program enabling financial advisors and registered investment advisors to deliver low-fee 401(k) plans to their small business clients. Advisors can scale their business effortlessly with flat fees for clients at no cost to them. Features include advisor-specific portal with dashboard and plan details access.
• KotapaycoreTechnology or IntegrationCurrent ACH (Automated Clearing House) processor for handling electronic fund transfers. Kotapay replaced previous processor Cachet Banq following service disruption in 2019. All provider fees (except NSF fees) are paid by Ubiquity; clients pay no fees to Kotapay.
• Payroll Providers (Integration Partners)coreTechnology or IntegrationPayroll integration partnerships enabling seamless connection with various payroll systems. Integrations allow automatic retirement payroll deduction deposits and streamlined contribution processing. Referenced integrations include Gusto, ADP, Paychex, and other major payroll providers.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Human Interest: Human Interest is a leading SMB-focused 401(k) recordkeeper offering flat-fee, full-service plans with modern digital UX. It directly competes with Ubiquity in the same small-business 401(k) segment with overlapping target customers and similar value proposition.
• Guideline: Guideline provides flat-fee 401(k) plans for small businesses with seamless payroll integrations and a streamlined onboarding experience. It competes head-to-head with Ubiquity for small-business plan sponsors on price, simplicity, and technology.
• Vestwell: Vestwell is a digital retirement platform serving small and mid-sized businesses, including 401(k) recordkeeping, with an emphasis on advisor and employer technology. It overlaps directly with Ubiquity's SMB 401(k) and advisor-channel offering.
• ForUsAll: ForUsAll provides small-business 401(k) plans with an emphasis on modern features such as emergency savings accounts and student loan matching. It targets the same SMB plan-sponsor customer base as Ubiquity with comparable full-service administration.

Broad incumbents

• ADP Retirement Services: ADP is a dominant payroll and benefits provider offering 401(k) recordkeeping at scale to small and mid-sized businesses. Its bundled payroll-plus-retirement offering competes with Ubiquity on integration and brand recognition, though its SMB retirement product is less differentiated.
• Paychex Retirement Services: Paychex provides 401(k) and retirement plan administration bundled with its payroll services, serving many SMBs. It overlaps with Ubiquity on small-business 401(k) administration and benefits from cross-sell into its large payroll customer base.
• Fidelity Workplace Investing: Fidelity offers 401(k) recordkeeping and administration across all business sizes, including small business. As a top-tier incumbent, it competes with Ubiquity on scale, brand, and investment menu breadth, though its SMB product is less differentiated than Ubiquity's flat-fee model.
• Charles Schwab Workplace Retirement Services: Schwab provides 401(k) and other retirement plan services, primarily targeting mid-market and larger plan sponsors. It competes broadly with Ubiquity in the retirement administration category with strong brand recognition and scale advantages.
• Empower Retirement: Empower is one of the largest U.S. retirement plan recordkeepers serving plans of all sizes. While more focused on mid-market and large plans, it competes with Ubiquity in the small-business retirement plan market with broader product breadth.

Emerging players

• Stash Retirement: Stash offers retirement accounts (IRAs and SEP/SIMPLE IRAs) and small-business 401(k) plans with a consumer-grade digital experience targeting small employers and self-employed individuals. It overlaps with Ubiquity's Solo 401(k) and SMB segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ubiquitysavings
• LinkedInlinkedin.com/company/ubiquity-retirement-savings

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ubiquity Retirement + Savings