Updated 2026-03-20
John Hancock vs ForUsAll 401(k) Comparison
Compare John Hancock (#10, 7.7/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | John Hancock | ForUsAll |
|---|---|---|
| Overall Score | 7.7/10 | 6.4/10 |
| Rank | #10 | #22 |
| AUM | $600 billion | $2 billion |
| Participants | 3 million | 50,000 |
| Plan Sponsors | 48,000+ | 2,000+ |
| Founded | 1862 | 2012 |
Ratings Comparison
| Category | John Hancock | ForUsAll |
|---|---|---|
| Fees & Costs | 3.5/5 | 3.3/5 |
| Investment Options | 3.7/5 | 3.5/5 |
| Customer Service | 4.0/5 | 3.5/5 |
| Mobile App | 3.6/5 | 3.8/5 |
Fee Comparison
| Fee Type | John Hancock | ForUsAll |
|---|---|---|
| Admin Fees | $1,000 - $4,000/year | $120/month + $6/employee |
| Expense Ratios | 0.30% - 1.3% | 0.03% - 0.50% + crypto fees |
| Trading Fees | Plan dependent | $0 for funds, varies for crypto |
| Advisory Fees | 0.40% - 0.90% | Included |
John Hancock Strengths
- Unique wellness program integration
- Vitality rewards for healthy behavior
- Strong financial wellness education
- complete planning tools
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 | John Hancock | ForUsAll |
|---|---|---|
| Rollover Platform | myplan.johnhancock.com | ForUsAll App |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via myplan.johnhancock.com, Phone (800-395-1113) | 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 John Hancock if you want:
- Wellness-focused employers
- Mid-sized companies
- Insurance bundle seekers
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: John Hancock vs ForUsAll
John Hancock wins this comparison with a score of 7.7/10 vs 6.4/10. John Hancock excels with unique wellness program integration, 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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John Hancock vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between John Hancock and ForUsAll for your 401(k) is an important decision that affects your retirement savings. John Hancock offers wellness focus while ForUsAll is known for crypto 401(k). In terms of fees, John Hancock charges 0.30% - 1.3% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. John Hancock manages $600 billion in assets and serves 3 million participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: John Hancock vs ForUsAll
When comparing John Hancock and ForUsAll, consider their core strengths: John Hancock excels with unique wellness program integration, 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. John Hancock's customer service rating is 4.0/5 compared to ForUsAll's 3.5/5. For mobile experience, John Hancock scores 3.6/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose John Hancock if you prioritize wellness-focused 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 John Hancock and ForUsAll provider pages.
Frequently Asked Questions
John Hancock scores higher in our 2026 rankings with 7.7/10. John Hancock is best for wellness-focused employers, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
John Hancock charges expense ratios of 0.30% - 1.3% with admin fees of $1,000 - $4,000/year. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. John Hancock's fees rating is 3.5/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between John Hancock and ForUsAll. John Hancock uses myplan.johnhancock.com for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
John Hancock offers 401(k) loans. ForUsAll does not offer 401(k) loans.
John Hancock scores 3.7/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. John Hancock's investment options include Mutual Funds, Target Date Funds, Stable Value. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.
For small businesses, consider plan minimums and per-participant costs. John Hancock is best for wellness-focused employers, mid-sized companies, insurance bundle seekers. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: John Hancock charges $1,000 - $4,000/year 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