Ubiquity has been serving small businesses since 1999 and pioneered the flat-fee 401(k) model that Guideline, Human Interest, and other modern providers later copied. For an HVAC shop, the value proposition is simple: a predictable monthly administration fee that does not creep upward as plan assets grow, a short but curated investment lineup of low-cost index and target-date funds, and a self-service plan-design wizard that lets owners spin up a safe harbor 401(k) without hiring a separate TPA.
The product line is segmented by company size. Solo HVAC operators (the owner and optionally a spouse) can use a Single(k) plan for about $19/month billed annually with a one-time $285 setup fee, which makes it one of the cheapest Solo 401(k)s on the market. Growing HVAC shops with W-2 employees step up to Express(k), Custom(k), or Reserve(k) tiers that add safe harbor match, profit sharing, new comparability, auto-enrollment, and Roth deferrals. Across tiers, the fee is always an employer-paid flat rate rather than a percentage of assets, which materially outperforms brokerage-sold plans once plan assets cross $250-500k.
Ubiquity is headquartered in San Francisco and has been consistently ranked #1 among small/medium 401(k) providers on Google Reviews, Trustpilot, and BBB. It integrates with most payroll systems HVAC shops already use (Gusto, QuickBooks, Paychex, ADP, Rippling) and files Form 5500, runs nondiscrimination testing, and prepares required notices in-house. It does not specialize in prevailing-wage work, so HVAC contractors with Davis-Bacon exposure are better served by The Contractors Plan, but for a standard residential HVAC business Ubiquity is a leading flat-fee option.