Updated 2026-03-20
Empower vs ForUsAll 401(k) Comparison
Compare Empower Retirement (#4, 8.7/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Empower | ForUsAll |
|---|---|---|
| Overall Score | 8.7/10 | 6.4/10 |
| Rank | #4 | #22 |
| AUM | $1.4 trillion | $2 billion |
| Participants | 18 million | 50,000 |
| Plan Sponsors | 71,000+ | 2,000+ |
| Founded | 2014 | 2012 |
Ratings Comparison
| Category | Empower | ForUsAll |
|---|---|---|
| Fees & Costs | 4.3/5 | 3.3/5 |
| Investment Options | 4.2/5 | 3.5/5 |
| Customer Service | 4.3/5 | 3.5/5 |
| Mobile App | 3.8/5 | 3.8/5 |
Fee Comparison
| Fee Type | Empower | ForUsAll |
|---|---|---|
| Admin Fees | Varies by plan size | $120/month + $6/employee |
| Expense Ratios | 0.03% - 1.0% | 0.03% - 0.50% + crypto fees |
| Trading Fees | Plan dependent | $0 for funds, varies for crypto |
| Advisory Fees | 0.25% - 0.89% | Included |
Empower Strengths
- Strong participant education programs
- Excellent plan sponsor tools
- Competitive institutional pricing
- Personal Capital integration for all-in-one planning
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 | Empower | ForUsAll |
|---|---|---|
| Rollover Platform | Empower.com | ForUsAll App |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via Empower.com, Phone (800-338-4015) | Online via ForUsAll platform, Email support |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Annuity purchase, Rollover to IRA | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Empower if you want:
- Mid to large employers
- Those valuing education
- Managed account seekers
- Income-focused retirees
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: Empower vs ForUsAll
Empower Retirement wins this comparison with a score of 8.7/10 vs 6.4/10. Empower excels with strong participant education programs, 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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Empower vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between Empower Retirement and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Empower offers 2nd largest while ForUsAll is known for crypto 401(k). In terms of fees, Empower charges 0.03% - 1.0% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Empower manages $1.4 trillion in assets and serves 18 million participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: Empower vs ForUsAll
When comparing Empower and ForUsAll, consider their core strengths: Empower excels with strong participant education programs, 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. Empower's customer service rating is 4.3/5 compared to ForUsAll's 3.5/5. For mobile experience, Empower scores 3.8/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose Empower if you prioritize mid to large employers. 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 Empower and ForUsAll provider pages.
Frequently Asked Questions
Empower Retirement scores higher in our 2026 rankings with 8.7/10. Empower is best for mid to large employers, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
Empower charges expense ratios of 0.03% - 1.0% with admin fees of Varies by plan size. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. Empower's fees rating is 4.3/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between Empower and ForUsAll. Empower uses Empower.com for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Empower offers 401(k) loans. ForUsAll does not offer 401(k) loans.
Empower scores 4.2/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Empower's investment options include Index Funds, Target Date Funds, Mutual Funds. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.
For small businesses, consider plan minimums and per-participant costs. Empower is best for mid to large employers, those valuing education, managed account seekers, income-focused retirees. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Empower charges Varies by plan size 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