MySolo401k vs Ubiquity Solo 401k (2026)
A comprehensive comparison to help you choose between MySolo401k and Ubiquity Solo 401k
MySolo401k
MySolo401k offers the most cost-effective non-prototype Solo 401k with full features, checkbook control, and the flexibility to invest with any brokerage.
Visit MySolo401kUbiquity
Ubiquity offers a compliance-focused Solo 401k with professional oversight and the lowest entry cost, ideal for those who may eventually hire employees.
Visit UbiquityMySolo401k and Ubiquity represent fundamentally different philosophies in the Solo 401k space. MySolo401k has built its reputation as the market standard for self-directed investors who want maximum control over their retirement assets. Their non-prototype plan structure delivers checkbook control, Mega Backdoor Roth conversions, and the flexibility to hold your funds at virtually any brokerage. With a $525 setup fee and just $125 annually, they offer one of the most cost-effective paths to full investment autonomy, backed by an active community of like-minded investors.
Ubiquity takes a distinctly different approach as a recordkeeper hybrid. Rather than prioritizing DIY control, they focus on professional compliance infrastructure. Their combination of TPA services and recordkeeping, enhanced by optional 3(38) fiduciary oversight, appeals to business owners who prefer institutional-grade administration over hands-on management. While their average first-year cost of $657 is comparable to MySolo401k's $650, Ubiquity's $339 annual fee reflects the ongoing professional services included.
The choice between these providers ultimately comes down to how you want to manage your retirement plan. Do you value the ability to direct every investment decision yourself, or would you rather have professional systems handling compliance while you focus on your business? MySolo401k assumes you want to be in the driver's seat. Ubiquity assumes you want guardrails and professional oversight. Neither approach is inherently superior—they simply serve different investor profiles with different priorities.
Our Rating
MySolo401k has a higher rating based on our comprehensive review.
Pricing Comparison
| Fee Type | MySolo401k | Ubiquity |
|---|---|---|
| Setup Fee | $525 | $285-350 |
| Annual Fee | $125 | $228-450 |
| Monthly Fee | N/A | $19-37.50 |
| First Year Total | $650 | $513-800 |
Long-Term Cost Analysis
See how costs add up over time
| Time Period | MySolo401k | Ubiquity | Difference |
|---|---|---|---|
| 1 Year | $650 | $657 | -$7 |
| 3 Years | $900 | $1,335 | -$435 |
| 5 Years | $1,150 | $2,013 | -$863 |
| 10 Years | $1,775 | $3,708 | -$1,933 |
Green highlighting indicates the lower-cost option for each period.
Feature Comparison
| Feature | MySolo401k | Ubiquity |
|---|---|---|
Roth Contributions After-tax contributions with tax-free growth | ||
Participant Loans Borrow up to $50,000 from your plan | ||
After-Tax (Mega Backdoor) Contribute beyond standard limits | ||
Alternative Investments Real estate, crypto, private equity | ||
Checkbook Control Direct investment management |
Pros and Cons
Pros
- Lowest annual fee among full-service non-prototype providers ($125/year)
- IRS-approved plan documents
- Full checkbook control with trust account
- Wide range of alternative investments (real estate, crypto, private equity)
- Supports Mega Backdoor Roth strategy
- Can connect to any brokerage (Fidelity, Schwab, etc.)
- Includes IRS audit support at no extra cost
Cons
- Higher upfront setup fee ($525)
- Requires more self-management than prototype plans
Pros
- Lowest setup fee among non-prototype providers
- Functions as both TPA and recordkeeper
- Professional 3(38) investment oversight
- No AUM fees
- Transparent, flat-fee pricing
- Good for growth into traditional 401k with employees
Cons
- Checkbook control only in Plus tier
- Limited to CensiblyYours fund list (base tier)
- Loan fees apply ($100 setup + $100/year)
User Sentiment
MySolo401k
Receives the highest rating in the unbundled document provider category. Users specifically cite "Daily Office Hours" webinars and active community forums as standout support features. Users feel supported in complex compliance matters.
Ubiquity
Rates highly (4/5) for "Peace of Mind." The fact that a third-party administrator is keeping the books provides a compliance safety net that self-administered plans lack. However, the nickel-and-diming on loan fees and monthly billing model are detractors.
Our Verdict
For most self-employed individuals seeking a Solo 401k, MySolo401k delivers better overall value. Their $125 annual fee is significantly lower than Ubiquity's $339, and you get immediate access to checkbook control, loan provisions, and complete brokerage flexibility without tier upgrades or additional fees. The 4.5-star rating reflects their established track record and responsive community support.
However, Ubiquity earns consideration if you anticipate hiring employees or need audit-ready documentation for complex business structures. Their infrastructure scales seamlessly from Solo 401k to full employer 401k, and the 3(38) fiduciary option provides liability protection that MySolo401k's self-directed model cannot match. If compliance anxiety keeps you up at night, Ubiquity's professional oversight may be worth the premium.
The practical tradeoffs matter: Ubiquity's base tier limits your fund options, checkbook control requires their Plus tier, and loans carry $100 setup plus $100 annual fees. MySolo401k includes these features standard. For the typical self-directed investor comfortable managing their own compliance, MySolo401k remains the stronger choice.
Which Provider is Right for You?
Choose MySolo401k if:
Choose MySolo401k if you want full investment control at the lowest ongoing cost. Ideal for self-directed investors comfortable with compliance responsibilities, those pursuing alternative assets or Mega Backdoor Roth strategies, and anyone who values brokerage flexibility over institutional hand-holding.
Choose Ubiquity if:
Choose Ubiquity if professional compliance infrastructure matters more than cost savings. Best for business owners planning to add employees, those wanting fiduciary oversight and audit protection, or investors who prefer institutional recordkeeping over self-directed administration.