Updated 2026-03-20
Betterment vs ForUsAll 401(k) Comparison
Compare Betterment at Work (#20, 6.7/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Betterment | ForUsAll |
|---|---|---|
| Overall Score | 6.7/10 | 6.4/10 |
| Rank | #20 | #22 |
| AUM | $45 billion | $2 billion |
| Participants | 400,000 | 50,000 |
| Plan Sponsors | 1,500+ | 2,000+ |
| Founded | 2010 | 2012 |
Ratings Comparison
| Category | Betterment | ForUsAll |
|---|---|---|
| Fees & Costs | 4.0/5 | 3.3/5 |
| Investment Options | 3.2/5 | 3.5/5 |
| Customer Service | 4.0/5 | 3.5/5 |
| Mobile App | 4.4/5 | 3.8/5 |
Fee Comparison
| Fee Type | Betterment | ForUsAll |
|---|---|---|
| Admin Fees | $150/month + $6/employee | $120/month + $6/employee |
| Expense Ratios | 0.03% - 0.15% | 0.03% - 0.50% + crypto fees |
| Trading Fees | $0 | $0 for funds, varies for crypto |
| Advisory Fees | Included in platform fee | Included |
Betterment Strengths
- Fully automated portfolio management
- Tax-loss harvesting and tax-smart strategies
- Clean, modern user interface
- Low-cost ETF portfolios
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 | Betterment | ForUsAll |
|---|---|---|
| Rollover Platform | Betterment App | ForUsAll App |
| Loans Available | No | No |
| Withdrawal Methods | Online via Betterment app, Email support | Online via ForUsAll platform, Email support |
| Distribution Options | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Betterment if you want:
- Tech companies
- Startups
- Hands-off investors
- ESG-conscious employers
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: Betterment vs ForUsAll
Betterment at Work wins this comparison with a score of 6.7/10 vs 6.4/10. Betterment excels with fully automated portfolio management, 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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Betterment vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between Betterment at Work and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Betterment offers robo-advisor while ForUsAll is known for crypto 401(k). In terms of fees, Betterment charges 0.03% - 0.15% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Betterment manages $45 billion in assets and serves 400,000 participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: Betterment vs ForUsAll
When comparing Betterment and ForUsAll, consider their core strengths: Betterment excels with fully automated portfolio management, 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. Betterment's customer service rating is 4.0/5 compared to ForUsAll's 3.5/5. For mobile experience, Betterment scores 4.4/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose Betterment if you prioritize tech companies. 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 Betterment and ForUsAll provider pages.
Frequently Asked Questions
Betterment at Work scores higher in our 2026 rankings with 6.7/10. Betterment is best for tech companies, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
Betterment charges expense ratios of 0.03% - 0.15% with admin fees of $150/month + $6/employee. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. Betterment's fees rating is 4.0/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between Betterment and ForUsAll. Betterment uses Betterment App for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Betterment does not offer 401(k) loans. ForUsAll does not offer 401(k) loans.
Betterment scores 3.2/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Betterment's investment options include ETF Portfolios, Target Date Portfolios, Socially Responsible Portfolios. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.
For small businesses, consider plan minimums and per-participant costs. Betterment is best for tech companies, startups, hands-off investors, esg-conscious employers. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Betterment charges $150/month + $6/employee 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