Backed By Experience

Simply Retirement by Principal® combines more than 75 years of Principal® retirement and * with the digital 401(k) plan technology of Ubiquity Retirement + Savings®.

Employees collaborating at computers.
Principal Logo
Ubiquity Logo

Together, we’ve created a solution that helps make it simple for small businesses to set up and manage an affordable 401(k) plan online. It’s our goal to make retirement savings more accessible to the millions of small businesses across the nation that don’t offer a plan to their employees today.


With more than 5 million retirement plan * , Principal® is a global investment management and retirement plan service leader that has worked with thousands of organizations like yours.

We’ve also been named one of the World’s Most Ethical *. Our offerings are based on experience, not quick wins or fads. Because we know that integrity, honesty, and comprehensive expertise are the right way to go—and the surest path to helping you reach your long-term financial stability goals. Learn more at


Ubiquity Retirement + Savings® is a leading fintech company that sits at the crossroads of human capital management (HCM), software as a service (SaaS) and Robo-recordkeeping.

With more than 20 years of digital 401(k) plan technology experience, Ubiquity is the perfect complement to the Principal® retirement savings product offering. Paradigm RKS is Ubiquity’s cloud-based, proprietary recordkeeping platform, which backs the company’s retirement solutions and is licensed to leading financial services firms around the country. For more information, please visit

teamwork illustration

Working together for you

Why we chose Ubiquity

Our vision for Simply Retirement by Principal® has always been to create the best possible experience for our customers. That’s why we selected Ubiquity and its proprietary Paradigm RKS recordkeeping system. Paradigm RKS is a forward-thinking, future-ready solution and it’s a major leap forward for the industry.

What this means for you

You may notice the Ubiquity name on some of your plan correspondence and documents, and this just means that Principal and Ubiquity are working together to support you. Both companies are committed to helping ensure you have a retirement savings plan that works for you and your employees.

Checkmark In Circle Icon

Let’s get started.

Try our 401(k) planner

Intended for plan sponsor use.

*Financial expertise: As of Dec. 31, 2019

*Participants: Ethisphere Institute, March 2017

*Companies: As of July 2019