Updated 2026-03-20

ForUsAll vs Employee Fiduciary 401(k) Comparison

Compare ForUsAll (#22, 6.4/10) and Employee Fiduciary (#24, 6.2/10) side by side across fees, ratings, features, and investment options.

Overall Comparison

FeatureForUsAllEmployee Fiduciary
Overall Score6.4/106.2/10
Rank#22#24
AUM$2 billion$6 billion
Participants50,00080,000
Plan Sponsors2,000+3,000+
Founded20122004

Ratings Comparison

CategoryForUsAllEmployee Fiduciary
Fees & Costs3.3/54.8/5
Investment Options3.5/53.2/5
Customer Service3.5/54.2/5
Mobile App3.8/52.5/5

Fee Comparison

Fee TypeForUsAllEmployee Fiduciary
Admin Fees$120/month + $6/employee$1,500/year + $30/participant
Expense Ratios0.03% - 0.50% + crypto fees0.03% - 0.15%
Trading Fees$0 for funds, varies for crypto$0
Advisory FeesIncludedIncluded as 3(38) fiduciary

ForUsAll Strengths

Employee Fiduciary Strengths

Rollover, Loans & Withdrawals

FeatureForUsAllEmployee Fiduciary
Rollover PlatformForUsAll AppEmployee Fiduciary Portal
Loans AvailableNoYes
Withdrawal MethodsOnline via ForUsAll platform, Email supportPhone (877-401-5100), Online portal
Distribution OptionsLump sum, Partial withdrawal, Rollover to IRA, Required Minimum DistributionsLump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions

Which Should You Choose?

Choose ForUsAll if you want:

  • Crypto-curious employees
  • Tech-forward companies
  • Employers wanting alternative investments
  • Small businesses

Choose Employee Fiduciary if you want:

  • Cost-conscious small businesses
  • Employers wanting fiduciary protection
  • Index fund believers
  • Plan sponsors seeking simplicity

Our Verdict: ForUsAll vs Employee Fiduciary

ForUsAll wins this comparison with a score of 6.4/10 vs 6.2/10. ForUsAll excels with first 401(k) with crypto investment options, 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.

Full ForUsAll Review Full Employee Fiduciary Review

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ForUsAll vs Employee Fiduciary: Complete 401(k) Comparison for 2026

Choosing between ForUsAll and Employee Fiduciary for your 401(k) is an important decision that affects your retirement savings. ForUsAll offers crypto 401(k) while Employee Fiduciary is known for 3(38) fiduciary. In terms of fees, ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios compared to Employee Fiduciary's 0.03% - 0.15%. ForUsAll manages $2 billion in assets and serves 50,000 participants, while Employee Fiduciary has $6 billion AUM and 80,000 participants.

Key Differences: ForUsAll vs Employee Fiduciary

When comparing ForUsAll and Employee Fiduciary, consider their core strengths: ForUsAll excels with first 401(k) with crypto investment options, while Employee Fiduciary stands out for full 3(38) investment fiduciary services included. Both providers offer a wide range of investment options including target-date funds, index funds, and managed accounts. ForUsAll's customer service rating is 3.5/5 compared to Employee Fiduciary's 4.2/5. For mobile experience, ForUsAll scores 3.8/5 while Employee Fiduciary scores 2.5/5.

Which Provider is Right for You?

Choose ForUsAll if you prioritize crypto-curious employees. Choose Employee Fiduciary if you're looking for cost-conscious small businesses. 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 ForUsAll and Employee Fiduciary provider pages.

Frequently Asked Questions

ForUsAll scores higher in our 2026 rankings with 6.4/10. ForUsAll is best for crypto-curious employees, while Employee Fiduciary is best for cost-conscious small businesses. The right choice depends on your employer's plan and your priorities.

ForUsAll charges expense ratios of 0.03% - 0.50% + crypto fees with admin fees of $120/month + $6/employee. Employee Fiduciary charges 0.03% - 0.15% expense ratios with admin fees of $1,500/year + $30/participant. ForUsAll's fees rating is 3.3/5 compared to Employee Fiduciary's 4.8/5.

Yes, you can roll over between ForUsAll and Employee Fiduciary. ForUsAll uses ForUsAll App for rollovers, while Employee Fiduciary uses Employee Fiduciary Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.

ForUsAll does not offer 401(k) loans. Employee Fiduciary offers 401(k) loans.

ForUsAll scores 3.5/5 for investment options, while Employee Fiduciary scores 3.2/5. Both offer target-date funds, index funds, and managed accounts. ForUsAll's investment options include Index Funds, Target Date Funds, Cryptocurrency. Employee Fiduciary offers Vanguard Index Funds, Target Date Funds, Bond Funds.

For small businesses, consider plan minimums and per-participant costs. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Employee Fiduciary is best for cost-conscious small businesses, employers wanting fiduciary protection, index fund believers, plan sponsors seeking simplicity. Compare admin fees: ForUsAll charges $120/month + $6/employee vs Employee Fiduciary's $1,500/year + $30/participant.

Pavlo Pyskunov

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