Nabers Group vs Ubiquity Solo 401k (2026)
A comprehensive comparison to help you choose between Nabers Group Solo 401k and Ubiquity Solo 401k
Nabers Group
Nabers Group brings 18+ years of experience and SEC-registered advisory services to their Solo 401k offering, with strong educational resources.
Visit Nabers GroupUbiquity
Ubiquity offers a compliance-focused Solo 401k with professional oversight and the lowest entry cost, ideal for those who may eventually hire employees.
Visit UbiquityChoosing between Nabers Group and Ubiquity for your Solo 401k reveals a fundamental decision about how you want to manage your retirement investments. Both providers offer non-prototype plans with genuine checkbook control, but they serve distinctly different investor philosophies at remarkably similar price points.
Nabers Group, with over 18 years in the self-directed retirement space, has built its reputation serving investors who want maximum autonomy over alternative assets. As a registered SEC investment advisor, they specialize in guiding clients through complex investments like self-custody cryptocurrency, precious metals, and real estate. Their expertise shines when you need professional advice on unconventional retirement strategies while maintaining complete control over your assets.
Ubiquity takes a different approach as a professional third-party administrator and recordkeeper. Rather than focusing on alternative investments, they excel at providing institutional-grade compliance infrastructure and administrative oversight. Their model portfolios and professional recordkeeping services appeal to business owners who want reliable retirement plan management without becoming experts in ERISA regulations themselves.
The pricing difference is minimal—Nabers Group costs $847 in the first year compared to Ubiquity's $657, a gap of just $190. This modest difference means your decision should focus entirely on which service model aligns with your investment strategy and administrative preferences rather than cost considerations. Both represent solid value for non-prototype Solo 401k plans with full checkbook control capabilities.
Our Rating
Nabers Group has a higher rating based on our comprehensive review.
Pricing Comparison
| Fee Type | Nabers Group | Ubiquity |
|---|---|---|
| Setup Fee | $499 | $285-350 |
| Annual Fee | $348 | $228-450 |
| Monthly Fee | $29 | $19-37.50 |
| First Year Total | $847 | $513-800 |
Long-Term Cost Analysis
See how costs add up over time
| Time Period | Nabers Group | Ubiquity | Difference |
|---|---|---|---|
| 1 Year | $847 | $657 | +$190 |
| 3 Years | $1,543 | $1,335 | +$208 |
| 5 Years | $2,239 | $2,013 | +$226 |
| 10 Years | $3,979 | $3,708 | +$271 |
Green highlighting indicates the lower-cost option for each period.
Feature Comparison
| Feature | Nabers Group | 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
- In business since 2006 with proven track record
- SEC registered investment advisory firm
- Instant document preparation for loans and Form 5500-EZ
- Educational resources and community
- Investment in virtually any asset class
- Expert guidance on alternative investments
Cons
- Higher annual cost than MySolo401k
- Monthly fee structure
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
Nabers Group
Rated 3/5. The long tenure commands respect, and educational content is deep. However, the user experience is described as less "slick" than Rocket Dollar or Carry, and the community aspect is less vibrant than MySolo401k.
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
The Nabers Group versus Ubiquity decision ultimately comes down to investment philosophy rather than price or plan quality. Both deliver legitimate non-prototype Solo 401k plans with checkbook control, but they optimize for completely different investor profiles.
Nabers Group wins decisively for alternative asset investors. If your retirement strategy includes self-custody Bitcoin, physical gold, real estate syndications, or private equity, their SEC advisory expertise and 18-year track record with these exact investments provides genuine value. You're paying for specialized knowledge that helps you execute complex strategies correctly.
Ubiquity takes the crown for traditional investors who prioritize administrative simplicity. Their professional TPA and recordkeeping services mean someone else worries about compliance deadlines, form filings, and regulatory requirements. Their model portfolios provide structure for those who prefer a more hands-off approach to investment selection.
For most solo business owners investing primarily in stocks, bonds, and mutual funds, Ubiquity's compliance-focused model offers peace of mind at a slightly lower cost. However, if you're drawn to alternative investments and value having an experienced advisor who understands self-directed strategies, Nabers Group's premium is easily justified. Neither choice is wrong—they simply serve different retirement visions.
Which Provider is Right for You?
Choose Nabers Group if:
Choose Nabers Group if you plan to invest in alternative assets like cryptocurrency, precious metals, or real estate within your Solo 401k. Their SEC advisory registration and nearly two decades of experience with self-directed strategies make them ideal for investors who want professional guidance on complex, non-traditional retirement investments while maintaining full checkbook control.
Choose Ubiquity if:
Choose Ubiquity if you prefer traditional investments and value professional administrative oversight. Their TPA and recordkeeping services handle compliance burdens so you can focus on your business. Ideal for investors who want reliable plan management, model portfolio options, and a scalable solution that grows with their company.