Ubiquity Solo 401k Review 2025: Features, Pricing & More

Saving for retirement as a self-employed professional can feel overwhelming, but it doesn’t have to be. With contribution limits increasing for 2025, a Solo 401k may offer more potential than ever to help you build meaningful savings. 

If you’re looking for flexibility, tax advantages, and low-cost options, Ubiquity’s Solo 401k plan is worth a closer look.

In this review, we’ll cover who qualifies, the 2025 limits, key features, investment choices, pricing, and a balanced look at the pros and cons—so you can decide if it fits your goals.

📌 Also Read: Can You Have Both a Solo 401k and a Regular 401k? Rules & Contribution Limits

Who Can Open a Solo 401k?

Ubiquity’s plan follows standard IRS rules. These plans are generally designed for self-employed individuals looking for a way to save more for retirement without the complexity of a larger company plan. 

Here’s a closer look at who may be eligible:

✅ You must have self-employment income.

This could come from freelance work, side businesses, or a full-time business operated as a sole proprietor, partnership, LLC, or corporation. Even if you work for another employer, self-employment income may still qualify.

✅ You must not have full-time employees. 

Solo 401k plans are typically limited to businesses without full-time employees, other than the owner and their spouse. A full-time employee generally works at least 1,000 hours per year.

✅ Your spouse may be able to participate.

If your spouse also earns income from the business, they can open a separate participant account under the Ubiquity Solo 401k. This could potentially increase your household’s total contribution.

📝 Note: If you hire an employee who meets eligibility guidelines, your Solo 401k may need to convert to a different plan that includes additional workers.

Ubiquity Solo 401k Contribution Limits for 2025 

One key benefit of Solo 401k plans is the ability to contribute as both employee and employer, which can significantly boost retirement savings beyond what’s available through traditional accounts.

Here’s a quick look at the 2025 limits:

✅ Employee Contributions: Up to $23,500 in salary deferrals.
✅ Catch-Up Contributions: If you’re age 50 or older, you could contribute an extra $7,500.
✅ Special Catch-Up Contributions (Ages 60–63): If you are age 60, 61, 62, or 63, the catch-up contribution increases to $11,250.
✅ Employer Contributions: Up to 25 percent of eligible compensation, depending on how your business income is calculated.
✅ Combined Contribution Limit: A potential total of $70,000 if you’re under age 50.
✅ With Catch-Up (Age 50+): The limit could increase to $77,500.

📝 Note: Your income must support these limits. For sole proprietors and partnerships, this typically means net earnings after the self-employment tax deduction. For S corporations, the 25 percent generally applies to W-2 wages.

📌 Also Read: Solo 401k Contribution Limits & Deadlines for 2024 & 2025

Ubiquity Solo 401k Plan Features

✅ Pre-tax & Roth contributions: You could split deferrals between tax-deferred and post-tax buckets to suit your tax situation.

✅ Mega Backdoor Roth: You may funnel extra after-tax earnings into your plan for potential tax-free growth.

✅ Profit-sharing contributions: As the employer, you could add up to 25 percent of eligible compensation to boost savings.

✅ Loan options: Borrow up to 50 percent of your vested balance (capped at $50,000) for qualifying expenses.

✅ Customizable investment options: Choose from expert-selected portfolios or design your own lineup.

✅ Recordkeeping & compliance services: Ubiquity handles all filings, testing, and documentation so you can focus on your business.

✅ Automatic vesting: Employer contributions vest immediately, so tracking is straightforward. 

✅ Transparent flat-fee pricing: Pay a predictable annual fee without assets-under-management charges.

✅ Easy online setup & management: Get started entirely online. Ubiquity’s user-friendly dashboard lets you set up in about 15 minutes and run statements anytime.

📝 Note: Some features depend on the plan tier you choose. It’s a good idea to review the details carefully to see what’s included.

Solo 401k Investment Options at Ubiquity 

Ubiquity’s Solo 401k offers flexibility depending on the type of plan you choose. Whether you prefer a simple approach or want more control, there’s a structure that could fit your style.

✅ Pre-Selected Fund Lists (Single(k) ® ): Choose from curated portfolios of mutual funds and ETFs designed to make investing straightforward.

✅ Custom Investment Flexibility (Single(k) Plus ® ): Prefer more control? You could access a broader range of investments, including stocks, ETFs, and private funds, through a third-party custodian.

✅ Self-Directed Checkbook Control: With the Plus option, it’s possible to invest directly in assets like real estate or private businesses which gives you more hands-on management.

📝 Note: Investment choices are subject to custodian rules and require careful management to stay compliant with IRS guidelines.

Ubiquity Solo 401k Fees and Pricing

Ubiquity keeps its Solo 401k pricing simple with a flat-fee structure. Instead of charging based on how much you invest, you generally pay the same amount each year which could make it easier to plan for long-term costs. 

For 2025, here’s what you can expect:

✅ Single(k): $19 per month (billed annually), plus a one-time $285 setup fee.

✅ Single(k) Plus: $37.50 per month (billed annually), plus a one-time $350 setup fee.

📝 Note: Ubiquity lists $0 in asset-under-management fees, but you’ll still encounter regular fund expense ratios or brokerage fees depending on your investments. Additional fees could apply for services like loans, amendments, or expedited filings. All fees are current as of January 2025 and may change. You can check the Ubiquity pricing page for the latest details.

📌 Also Read: Form 5500-EZ Filing Requirement for Solo 401k Plans Over $250,000

Ubiquity Solo 401k Pros and Cons

Choosing a provider is rarely one-size-fits-all. Here’s a balanced look at where Ubiquity’s Solo 401k tends to shine and where it may feel less competitive in 2025.

Pros

✅ Flat-fee pricing that doesn’t grow with your balance. Ubiquity charges $19 per month (billed annually) with a one-time $285 setup fee, helping you plan ahead without worrying about percentage-based costs.

✅ Access to Mega Backdoor Roth contributions. For those looking to contribute beyond the usual limits, the Single(k) plan offers an after-tax option that could open the door to additional Roth savings potential.

✅ Flexible investment options. You’re free to choose almost any major brokerage or custodian, giving you the ability to invest in mutual funds, ETFs, stocks, and other permitted assets.

✅ Built-in features like loans and rollovers. If you need access to funds or want to consolidate other retirement accounts, Ubiquity’s plan has those options already included.

✅ Positive customer reviews. Many users highlight the company’s responsive support and easy-to-follow setup process, which can make getting started less stressful.

Cons

❌ Setup and ongoing fees. While the flat-fee structure is predictable, some competitors offer prototype plans without annual costs, which could be more appealing if keeping fees low is a priority.

❌ Separate brokerage login required. Ubiquity handles plan documents and administration, but you’ll still need to manage investments through your chosen brokerage account, adding an extra step.

❌ Limited to small teams. The Single(k) plan covers one or two participants (you and a spouse), and Single(k) Plus supports up to four. Businesses planning to grow may need a different plan later.

❌ Investment choice may vary. While the plan is open-architecture, some users report fewer fund options depending on how their custodian sets up the account.

❌ Additional services could mean extra costs. Certain upgrades, like plan amendments or enhanced fiduciary support, may not be included in the base fee.

Wrapping It Up

A Solo 401k could be a useful option for self-employed individuals who want flexibility in saving for retirement. Ubiquity’s Solo 401k offers flat-fee pricing, access to Mega Backdoor Roth contributions, and a wide range of investment choices. These features might appeal to those who prefer more control without percentage-based fees.

However, it’s important to weigh the setup costs, participant limits, and the extra step of managing a separate brokerage account. Each business has different needs. Reviewing all the features and costs carefully may help you decide if Ubiquity is a good match for your situation.

If you are exploring a Solo 401k, it may also be helpful to compare different providers. Speaking with a financial professional could give you more clarity before making a final decision.

📌 Looking for more resources? Check out our other articles on Solo 401k strategies and retirement planning:

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