Updated 2026-03-20
ForUsAll vs Ubiquity 401(k) Comparison
Compare ForUsAll (#22, 6.4/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | ForUsAll | Ubiquity |
|---|---|---|
| Overall Score | 6.4/10 | 6.3/10 |
| Rank | #22 | #23 |
| AUM | $2 billion | $3.5 billion |
| Participants | 50,000 | 100,000 |
| Plan Sponsors | 2,000+ | 10,000+ |
| Founded | 2012 | 1999 |
Ratings Comparison
| Category | ForUsAll | Ubiquity |
|---|---|---|
| Fees & Costs | 3.3/5 | 4.0/5 |
| Investment Options | 3.5/5 | 3.7/5 |
| Customer Service | 3.5/5 | 3.9/5 |
| Mobile App | 3.8/5 | 3.2/5 |
Fee Comparison
| Fee Type | ForUsAll | Ubiquity |
|---|---|---|
| Admin Fees | $120/month + $6/employee | $115 - $250/month flat fee |
| Expense Ratios | 0.03% - 0.50% + crypto fees | 0.03% - 0.80% |
| Trading Fees | $0 for funds, varies for crypto | $0 |
| Advisory Fees | Included | Optional, varies |
ForUsAll Strengths
- First 401(k) with crypto investment options
- Coinbase-powered crypto trading window
- Automated 5% crypto allocation guardrail
- Modern technology platform
Ubiquity Strengths
- True flat-fee pricing with no asset-based charges
- Costs become more competitive as assets grow
- Open architecture investment options
- Over 25 years of experience
Rollover, Loans & Withdrawals
| Feature | ForUsAll | Ubiquity |
|---|---|---|
| Rollover Platform | ForUsAll App | Ubiquity Portal |
| Loans Available | No | Yes |
| Withdrawal Methods | Online via ForUsAll platform, Email support | Online via Ubiquity portal, Phone (855-831-7344), Dedicated account manager |
| Distribution Options | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions | Lump sum, Partial withdrawal, Installment payments, 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 Ubiquity if you want:
- Growing small businesses
- Cost-transparent seekers
- Companies with growing plan assets
- Custom plan designers
Our Verdict: ForUsAll vs Ubiquity
ForUsAll wins this comparison with a score of 6.4/10 vs 6.3/10. 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.
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ForUsAll vs Ubiquity: Complete 401(k) Comparison for 2026
Choosing between ForUsAll and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. ForUsAll offers crypto 401(k) while Ubiquity is known for flat fee. In terms of fees, ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios compared to Ubiquity's 0.03% - 0.80%. ForUsAll manages $2 billion in assets and serves 50,000 participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.
Key Differences: ForUsAll vs Ubiquity
When comparing ForUsAll and Ubiquity, consider their core strengths: ForUsAll excels with first 401(k) with crypto investment options, while Ubiquity stands out for true flat-fee pricing with no asset-based charges. 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 Ubiquity's 3.9/5. For mobile experience, ForUsAll scores 3.8/5 while Ubiquity scores 3.2/5.
Which Provider is Right for You?
Choose ForUsAll if you prioritize crypto-curious employees. Choose Ubiquity if you're looking for growing 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 Ubiquity provider pages.
Frequently Asked Questions
ForUsAll scores higher in our 2026 rankings with 6.4/10. ForUsAll is best for crypto-curious employees, while Ubiquity is best for growing 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. Ubiquity charges 0.03% - 0.80% expense ratios with admin fees of $115 - $250/month flat fee. ForUsAll's fees rating is 3.3/5 compared to Ubiquity's 4.0/5.
Yes, you can roll over between ForUsAll and Ubiquity. ForUsAll uses ForUsAll App for rollovers, while Ubiquity uses Ubiquity Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
ForUsAll does not offer 401(k) loans. Ubiquity offers 401(k) loans.
ForUsAll scores 3.5/5 for investment options, while Ubiquity scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. ForUsAll's investment options include Index Funds, Target Date Funds, Cryptocurrency. Ubiquity offers Open Architecture, Mutual Funds, Target Date 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. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: ForUsAll charges $120/month + $6/employee vs Ubiquity's $115 - $250/month flat fee.
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