recordkeeping
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Ubiquity’s 401(k) bet: let savings grow, not the fee
Since 1999, Ubiquity Retirement + Savings has built retirement plans for businesses too small to command Wall Street’s attention. Its wager is simple: charge for the work, rather than a percentage of the nest egg.
Congruent Solutions makes the boring part of retirement work
Behind a retirement account lies a small bureaucracy of payroll files, plan rules and systems that barely speak. Congruent Solutions has built a business getting them to cooperate.
Aaron Schumm
He built the plumbing behind America's savings accounts - the 401(k)s, 529s and state programs most people never think about - by betting that the boring middle of finance was the biggest opportunity nobody wanted.
Vestwell
Vestwell is a New York-based fintech that operates as digital savings infrastructure for the American workplace. Founded in 2016 by Aaron Schumm, it provides an API-driven recordkeeping and administration platform that lets employers, financial advisors, payroll providers, and state governments offer 401(k), 403(b), IRA, 529 education, ABLE disability, and emergency savings accounts. By 2026 the company administered more than $50B in assets for over 2 million savers, powered the majority of state-facilitated retirement programs in the U.S., and raised a $385M Series E to expand the modern savings economy.
Nth Round
Nth Round is a Philadelphia-based fintech that builds equity-management software for private companies, family businesses, and funds. Its white-labeled platform combines cap table management, shareholder communications, proxy voting, document distribution, and internal liquidity windows into a single secure portal - so companies with hundreds of shareholders across multiple stock classes and generations can keep records accurate, keep owners engaged, and let shares change hands without a public market.
Penelope
Penelope is a New York fintech that makes 401(k) retirement plans practical for the businesses that usually get ignored - the corner shop, the two-person startup, the solopreneur. Founded in 2021 by former Wall Street executive Jean Kim Smart and named after her daughter, the company started as a low-cost, self-service platform offering Pooled Employer Plans, traditional 401(k)s and Solo 401(k)s, and has since built a cloud-native, API-first, SECURE 2.0-ready recordkeeping platform that independent recordkeepers and benefit providers can run under their own brand. The pitch is unglamorous but real: automate the paperwork, cut the cost, and let roughly 60 million Americans who work for small employers start saving.
Jean Smart
Jean Smart is the founder and CEO of Penelope, a New York fintech rebuilding the retirement recordkeeping layer for the small and micro-businesses Wall Street forgot. After a 20-plus year career as a financial-services executive at Charles Schwab, TD Ameritrade, Citigroup and UBS, she left a managing-director seat to build affordable, fully-digital 401(k) infrastructure for solopreneurs and mom-and-pop shops. The company, which she named after her daughter, launched in 2022 with a mission to put generational wealth-building within reach of the workers institutions have historically overlooked.
Human Interest
Human Interest is a San Francisco-based fintech company on a mission to make retirement savings accessible to every American worker, regardless of where they work. The company provides affordable, full-service 401(k) and 403(b) plans designed for small and medium-sized businesses — the 99% of employers who have historically been priced out of quality retirement plan options. With a platform that handles recordkeeping, compliance, payroll integration, and investment management all in one place, Human Interest has become one of the fastest-growing retirement plan providers in the U.S., serving nearly 50,000 employers and 2 million+ eligible employees.