Updated 2026-03-20
Fidelity vs ForUsAll 401(k) Comparison
Compare Fidelity Investments (#1, 9.5/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Fidelity | ForUsAll |
|---|---|---|
| Overall Score | 9.5/10 | 6.4/10 |
| Rank | #1 | #22 |
| AUM | $4.5 trillion | $2 billion |
| Participants | 43 million | 50,000 |
| Plan Sponsors | 23,000+ | 2,000+ |
| Founded | 1946 | 2012 |
Ratings Comparison
| Category | Fidelity | ForUsAll |
|---|---|---|
| Fees & Costs | 4.9/5 | 3.3/5 |
| Investment Options | 4.9/5 | 3.5/5 |
| Customer Service | 4.8/5 | 3.5/5 |
| Mobile App | 4.7/5 | 3.8/5 |
Fee Comparison
| Fee Type | Fidelity | ForUsAll |
|---|---|---|
| Admin Fees | $0 - varies by plan | $120/month + $6/employee |
| Expense Ratios | 0.00% - 0.75% | 0.03% - 0.50% + crypto fees |
| Trading Fees | $0 for stocks/ETFs | $0 for funds, varies for crypto |
| Advisory Fees | 0.35% - 1.0% | Included |
Fidelity Strengths
- Zero expense ratio index funds (FZROX, FZILX)
- Industry-leading mobile app and online platform
- 24/7 customer service with dedicated retirement specialists
- Extensive investment options including BrokerageLink
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 | Fidelity | ForUsAll |
|---|---|---|
| Rollover Platform | NetBenefits | ForUsAll App |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via NetBenefits, Phone (800-343-3548), Fidelity branch offices | 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 Fidelity if you want:
- Large employers
- Cost-conscious investors
- Self-directed investors
- Solo 401(k) seekers
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: Fidelity vs ForUsAll
Fidelity Investments wins this comparison with a score of 9.5/10 vs 6.4/10. Fidelity excels with zero expense ratio index funds (fzrox, fzilx), 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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Fidelity vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between Fidelity Investments and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Fidelity offers largest provider while ForUsAll is known for crypto 401(k). In terms of fees, Fidelity charges 0.00% - 0.75% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Fidelity manages $4.5 trillion in assets and serves 43 million participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: Fidelity vs ForUsAll
When comparing Fidelity and ForUsAll, consider their core strengths: Fidelity excels with zero expense ratio index funds (fzrox, fzilx), 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. Fidelity's customer service rating is 4.8/5 compared to ForUsAll's 3.5/5. For mobile experience, Fidelity scores 4.7/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose Fidelity if you prioritize 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 Fidelity and ForUsAll provider pages.
Frequently Asked Questions
Fidelity Investments scores higher in our 2026 rankings with 9.5/10. Fidelity is best for large employers, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
Fidelity charges expense ratios of 0.00% - 0.75% with admin fees of $0 - varies by plan. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. Fidelity's fees rating is 4.9/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between Fidelity and ForUsAll. Fidelity uses NetBenefits for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Fidelity offers 401(k) loans. ForUsAll does not offer 401(k) loans.
Fidelity scores 4.9/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Fidelity'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. Fidelity is best for large employers, cost-conscious investors, self-directed investors, solo 401(k) seekers. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Fidelity charges $0 - varies by plan 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