Updated 2026-03-20

Morgan Stanley vs ForUsAll 401(k) Comparison

Compare Morgan Stanley at Work (#19, 6.8/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.

Overall Comparison

FeatureMorgan StanleyForUsAll
Overall Score6.8/106.4/10
Rank#19#22
AUM$6.2 trillion$2 billion
Participants6 million50,000
Plan Sponsors15,000+2,000+
Founded19352012

Ratings Comparison

CategoryMorgan StanleyForUsAll
Fees & Costs3.0/53.3/5
Investment Options4.5/53.5/5
Customer Service4.1/53.5/5
Mobile App4.0/53.8/5

Fee Comparison

Fee TypeMorgan StanleyForUsAll
Admin FeesVaries by plan size and services$120/month + $6/employee
Expense Ratios0.03% - 1.5%0.03% - 0.50% + crypto fees
Trading Fees$0 for stocks/ETFs via E*Trade$0 for funds, varies for crypto
Advisory Fees0.50% - 1.5%Included

Morgan Stanley Strengths

ForUsAll Strengths

Rollover, Loans & Withdrawals

FeatureMorgan StanleyForUsAll
Rollover PlatformMorgan Stanley at Work PortalForUsAll App
Loans AvailableYesNo
Withdrawal MethodsOnline via Morgan Stanley portal, Phone (800-869-3326), Through Morgan Stanley financial advisor, Branch office visitOnline via ForUsAll platform, Email support
Distribution OptionsLump sum, Partial withdrawal, Systematic withdrawals, Rollover to IRA, Required Minimum DistributionsLump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions

Which Should You Choose?

Choose Morgan Stanley if you want:

  • Companies with stock plans
  • Employees wanting full brokerage access
  • High-net-worth participants
  • Self-directed traders

Choose ForUsAll if you want:

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

Our Verdict: Morgan Stanley vs ForUsAll

Morgan Stanley at Work wins this comparison with a score of 6.8/10 vs 6.4/10. Morgan Stanley excels with access to morgan stanley financial advisors, 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 Morgan Stanley Review Full ForUsAll Review

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Morgan Stanley vs ForUsAll: Complete 401(k) Comparison for 2026

Choosing between Morgan Stanley at Work and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Morgan Stanley offers wealth management while ForUsAll is known for crypto 401(k). In terms of fees, Morgan Stanley charges 0.03% - 1.5% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Morgan Stanley manages $6.2 trillion in assets and serves 6 million participants, while ForUsAll has $2 billion AUM and 50,000 participants.

Key Differences: Morgan Stanley vs ForUsAll

When comparing Morgan Stanley and ForUsAll, consider their core strengths: Morgan Stanley excels with access to morgan stanley financial advisors, 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. Morgan Stanley's customer service rating is 4.1/5 compared to ForUsAll's 3.5/5. For mobile experience, Morgan Stanley scores 4.0/5 while ForUsAll scores 3.8/5.

Which Provider is Right for You?

Choose Morgan Stanley if you prioritize companies with stock plans. 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 Morgan Stanley and ForUsAll provider pages.

Frequently Asked Questions

Morgan Stanley at Work scores higher in our 2026 rankings with 6.8/10. Morgan Stanley is best for companies with stock plans, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.

Morgan Stanley charges expense ratios of 0.03% - 1.5% with admin fees of Varies by plan size and services. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. Morgan Stanley's fees rating is 3.0/5 compared to ForUsAll's 3.3/5.

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

Morgan Stanley offers 401(k) loans. ForUsAll does not offer 401(k) loans.

Morgan Stanley scores 4.5/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Morgan Stanley's investment options include Mutual Funds, Target Date Funds, Index Funds. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.

For small businesses, consider plan minimums and per-participant costs. Morgan Stanley is best for companies with stock plans, employees wanting full brokerage access, high-net-worth participants, self-directed traders. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Morgan Stanley charges Varies by plan size and services 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