Updated 2026-03-20
ADP vs ForUsAll 401(k) Comparison
Compare ADP Retirement Services (#7, 8.1/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | ADP | ForUsAll |
|---|---|---|
| Overall Score | 8.1/10 | 6.4/10 |
| Rank | #7 | #22 |
| AUM | $130 billion | $2 billion |
| Participants | 3 million | 50,000 |
| Plan Sponsors | 90,000+ | 2,000+ |
| Founded | 1949 | 2012 |
Ratings Comparison
| Category | ADP | ForUsAll |
|---|---|---|
| Fees & Costs | 3.4/5 | 3.3/5 |
| Investment Options | 3.5/5 | 3.5/5 |
| Customer Service | 4.0/5 | 3.5/5 |
| Mobile App | 3.7/5 | 3.8/5 |
Fee Comparison
| Fee Type | ADP | ForUsAll |
|---|---|---|
| Admin Fees | $2,000 - $5,000/year base | $120/month + $6/employee |
| Expense Ratios | Varies by investment partner | 0.03% - 0.50% + crypto fees |
| Trading Fees | Plan dependent | $0 for funds, varies for crypto |
| Advisory Fees | 0.35% - 0.75% | Included |
ADP Strengths
- Direct payroll integration
- Automatic contribution processing
- Strong compliance support
- Easy setup for ADP payroll clients
ForUsAll Strengths
- First 401(k) with crypto investment options
- Coinbase-powered crypto trading window
- Automated 5% crypto allocation guardrail
- Modern technology platform
Rollover, Loans & Withdrawals
| Feature | ADP | ForUsAll |
|---|---|---|
| Rollover Platform | ADP Retirement Portal | ForUsAll App |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via ADP portal, Phone (800-695-7526) | Online via ForUsAll platform, Email support |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose ADP if you want:
- ADP payroll users
- Multi-state employers
- HR bundle seekers
- Compliance-focused companies
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: ADP vs ForUsAll
ADP Retirement Services wins this comparison with a score of 8.1/10 vs 6.4/10. ADP excels with direct payroll integration, making it the stronger choice for most investors in this matchup. However, the best choice ultimately depends on your specific needs, employer plan availability, and investment preferences.
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ADP vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between ADP Retirement Services and ForUsAll for your 401(k) is an important decision that affects your retirement savings. ADP offers payroll integration while ForUsAll is known for crypto 401(k). In terms of fees, ADP charges Varies by investment partner expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. ADP manages $130 billion in assets and serves 3 million participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: ADP vs ForUsAll
When comparing ADP and ForUsAll, consider their core strengths: ADP excels with direct payroll integration, while ForUsAll stands out for first 401(k) with crypto investment options. Both providers offer a wide range of investment options including target-date funds, index funds, and managed accounts. ADP's customer service rating is 4.0/5 compared to ForUsAll's 3.5/5. For mobile experience, ADP scores 3.7/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose ADP if you prioritize adp payroll users. Choose ForUsAll if you're looking for crypto-curious employees. Your decision should also consider your employer's plan availability, fee sensitivity, desired investment options, and customer service expectations. For detailed reviews, visit our individual ADP and ForUsAll provider pages.
Frequently Asked Questions
ADP Retirement Services scores higher in our 2026 rankings with 8.1/10. ADP is best for adp payroll users, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
ADP charges expense ratios of Varies by investment partner with admin fees of $2,000 - $5,000/year base. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. ADP's fees rating is 3.4/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between ADP and ForUsAll. ADP uses ADP Retirement Portal for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
ADP offers 401(k) loans. ForUsAll does not offer 401(k) loans.
ADP scores 3.5/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. ADP's investment options include Partner Fund Lineups, Target Date Funds, Stable Value. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.
For small businesses, consider plan minimums and per-participant costs. ADP is best for adp payroll users, multi-state employers, hr bundle seekers, compliance-focused companies. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: ADP charges $2,000 - $5,000/year base vs ForUsAll's $120/month + $6/employee.
Pavlo Pyskunov
Managing Director & Investment Fund Director
Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.
Last updated: 2026-03-20