Ubiquity, a pioneer in offering flat, transparent pricing for 401(k) plans, has effectively harnessed technological advancements to maintain its competitive edge in the retirement industry. By integrating Finch's payroll APIs, Ubiquity has automated data access from over 350 sponsors, reducing manual payroll processing by 80 hours per week and decreasing onboarding time from weeks to minutes. This automation is crucial for plans with 3(16) fiduciary services, enhancing compliance and operational efficiency. The API-driven approach offers greater transparency and control compared to traditional SFTP methods, allowing Ubiquity to deliver a modern, streamlined experience for both its internal team and plan sponsors. The use of APIs not only supports Ubiquity's goal of providing superior client experiences but also positions the company to adapt to future industry demands, ensuring it remains at the forefront of technological innovation in the retirement sector.