Updated 2026-03-20

Human Interest vs ForUsAll 401(k) Comparison

Compare Human Interest (#14, 7.2/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.

Overall Comparison

FeatureHuman InterestForUsAll
Overall Score7.2/106.4/10
Rank#14#22
AUM$6 billion$2 billion
Participants500,00050,000
Plan Sponsors15,000+2,000+
Founded20152012

Ratings Comparison

CategoryHuman InterestForUsAll
Fees & Costs4.5/53.3/5
Investment Options3.5/53.5/5
Customer Service4.3/53.5/5
Mobile App4.2/53.8/5

Fee Comparison

Fee TypeHuman InterestForUsAll
Admin Fees$120/month base + $5/employee$120/month + $6/employee
Expense Ratios0.06% - 0.50%0.03% - 0.50% + crypto fees
Trading Fees$0$0 for funds, varies for crypto
Advisory FeesIncluded in platformIncluded

Human Interest Strengths

ForUsAll Strengths

Rollover, Loans & Withdrawals

FeatureHuman InterestForUsAll
Rollover PlatformHuman Interest DashboardForUsAll App
Loans AvailableNoNo
Withdrawal MethodsOnline via Human Interest dashboardOnline via ForUsAll platform, Email support
Distribution OptionsLump sum, Partial withdrawal, Rollover to IRALump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions

Which Should You Choose?

Choose Human Interest if you want:

  • Small businesses
  • Startups
  • First-time plan sponsors
  • Tech-savvy employers

Choose ForUsAll if you want:

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

Our Verdict: Human Interest vs ForUsAll

Human Interest wins this comparison with a score of 7.2/10 vs 6.4/10. Human Interest excels with flat-fee pricing transparent and affordable, 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 Human Interest Review Full ForUsAll Review

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Human Interest vs ForUsAll: Complete 401(k) Comparison for 2026

Choosing between Human Interest and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Human Interest offers small business while ForUsAll is known for crypto 401(k). In terms of fees, Human Interest charges 0.06% - 0.50% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Human Interest manages $6 billion in assets and serves 500,000 participants, while ForUsAll has $2 billion AUM and 50,000 participants.

Key Differences: Human Interest vs ForUsAll

When comparing Human Interest and ForUsAll, consider their core strengths: Human Interest excels with flat-fee pricing transparent and affordable, 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. Human Interest's customer service rating is 4.3/5 compared to ForUsAll's 3.5/5. For mobile experience, Human Interest scores 4.2/5 while ForUsAll scores 3.8/5.

Which Provider is Right for You?

Choose Human Interest if you prioritize small businesses. 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 Human Interest and ForUsAll provider pages.

Frequently Asked Questions

Human Interest scores higher in our 2026 rankings with 7.2/10. Human Interest is best for small businesses, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.

Human Interest charges expense ratios of 0.06% - 0.50% with admin fees of $120/month base + $5/employee. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. Human Interest's fees rating is 4.5/5 compared to ForUsAll's 3.3/5.

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

Human Interest does not offer 401(k) loans. ForUsAll does not offer 401(k) loans.

Human Interest scores 3.5/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Human Interest's investment options include Index Funds, Target Date Funds, ESG Options. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.

For small businesses, consider plan minimums and per-participant costs. Human Interest is best for small businesses, startups, first-time plan sponsors, tech-savvy employers. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Human Interest charges $120/month base + $5/employee vs ForUsAll's $120/month + $6/employee.

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