Updated 2026-03-20

Lincoln Financial vs ForUsAll 401(k) Comparison

Compare Lincoln Financial (#17, 6.9/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.

Overall Comparison

FeatureLincoln FinancialForUsAll
Overall Score6.9/106.4/10
Rank#17#22
AUM$350 billion$2 billion
Participants8 million50,000
Plan Sponsors10,000+2,000+
Founded19052012

Ratings Comparison

CategoryLincoln FinancialForUsAll
Fees & Costs3.3/53.3/5
Investment Options3.8/53.5/5
Customer Service3.9/53.5/5
Mobile App3.4/53.8/5

Fee Comparison

Fee TypeLincoln FinancialForUsAll
Admin FeesVaries by plan size$120/month + $6/employee
Expense Ratios0.10% - 1.5%0.03% - 0.50% + crypto fees
Trading FeesPlan dependent$0 for funds, varies for crypto
Advisory Fees0.40% - 1.0%Included

Lincoln Financial Strengths

ForUsAll Strengths

Rollover, Loans & Withdrawals

FeatureLincoln FinancialForUsAll
Rollover PlatformLincoln Financial PortalForUsAll App
Loans AvailableYesNo
Withdrawal MethodsOnline via Lincoln Financial portal, Phone (800-454-6265), Through plan administratorOnline via ForUsAll platform, Email support
Distribution OptionsLump sum, Partial withdrawal, Annuity conversion, Installment payments, Rollover to IRA, Required Minimum DistributionsLump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions

Which Should You Choose?

Choose Lincoln Financial if you want:

  • Companies wanting guaranteed income options
  • Insurance-focused employers
  • Mid-size to large plans
  • Annuity seekers

Choose ForUsAll if you want:

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

Our Verdict: Lincoln Financial vs ForUsAll

Lincoln Financial wins this comparison with a score of 6.9/10 vs 6.4/10. Lincoln Financial excels with strong guaranteed income and annuity 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 Lincoln Financial Review Full ForUsAll Review

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Lincoln Financial vs ForUsAll: Complete 401(k) Comparison for 2026

Choosing between Lincoln Financial and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Lincoln Financial offers top 10 recordkeeper while ForUsAll is known for crypto 401(k). In terms of fees, Lincoln Financial charges 0.10% - 1.5% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Lincoln Financial manages $350 billion in assets and serves 8 million participants, while ForUsAll has $2 billion AUM and 50,000 participants.

Key Differences: Lincoln Financial vs ForUsAll

When comparing Lincoln Financial and ForUsAll, consider their core strengths: Lincoln Financial excels with strong guaranteed income and annuity options, 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. Lincoln Financial's customer service rating is 3.9/5 compared to ForUsAll's 3.5/5. For mobile experience, Lincoln Financial scores 3.4/5 while ForUsAll scores 3.8/5.

Which Provider is Right for You?

Choose Lincoln Financial if you prioritize companies wanting guaranteed income options. 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 Lincoln Financial and ForUsAll provider pages.

Frequently Asked Questions

Lincoln Financial scores higher in our 2026 rankings with 6.9/10. Lincoln Financial is best for companies wanting guaranteed income options, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.

Lincoln Financial charges expense ratios of 0.10% - 1.5% with admin fees of Varies by plan size. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. Lincoln Financial's fees rating is 3.3/5 compared to ForUsAll's 3.3/5.

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

Lincoln Financial offers 401(k) loans. ForUsAll does not offer 401(k) loans.

Lincoln Financial scores 3.8/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Lincoln Financial's investment options include Mutual Funds, Target Date Funds, Fixed Annuities. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.

For small businesses, consider plan minimums and per-participant costs. Lincoln Financial is best for companies wanting guaranteed income options, insurance-focused employers, mid-size to large plans, annuity seekers. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Lincoln Financial charges Varies by plan size 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