Updated 2026-03-20
Paychex vs ForUsAll 401(k) Comparison
Compare Paychex (#16, 7.0/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Paychex | ForUsAll |
|---|---|---|
| Overall Score | 7.0/10 | 6.4/10 |
| Rank | #16 | #22 |
| AUM | $48 billion | $2 billion |
| Participants | 730,000 | 50,000 |
| Plan Sponsors | 740,000+ | 2,000+ |
| Founded | 1971 | 2012 |
Ratings Comparison
| Category | Paychex | ForUsAll |
|---|---|---|
| Fees & Costs | 3.4/5 | 3.3/5 |
| Investment Options | 3.6/5 | 3.5/5 |
| Customer Service | 3.8/5 | 3.5/5 |
| Mobile App | 3.5/5 | 3.8/5 |
Fee Comparison
| Fee Type | Paychex | ForUsAll |
|---|---|---|
| Admin Fees | $80 - $150/month + per-employee fees | $120/month + $6/employee |
| Expense Ratios | 0.10% - 1.2% | 0.03% - 0.50% + crypto fees |
| Trading Fees | Included | $0 for funds, varies for crypto |
| Advisory Fees | 0.50% - 1.0% | Included |
Paychex Strengths
- Seamless payroll-to-401(k) contribution processing
- One of the largest recordkeepers in the US
- Plans for businesses from 1 to 1,000+ employees
- Bundled HR, payroll, and retirement services
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 | Paychex | ForUsAll |
|---|---|---|
| Rollover Platform | Paychex Flex | ForUsAll App |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via Paychex Flex, Phone (800-741-6277), Through plan administrator | Online via ForUsAll platform, Email support |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Paychex if you want:
- Paychex payroll clients
- Small to mid-size businesses
- Companies wanting bundled HR+retirement
- PEO participants
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: Paychex vs ForUsAll
Paychex wins this comparison with a score of 7.0/10 vs 6.4/10. Paychex excels with seamless payroll-to-401(k) contribution processing, 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.
Other Popular Comparisons
Compare these 401(k) providers head-to-head
Vanguard vs ForUsAllCompare these 401(k) providers head-to-head
Schwab vs ForUsAllCompare these 401(k) providers head-to-head
Empower vs ForUsAllCompare these 401(k) providers head-to-head
T. Rowe Price vs ForUsAllCompare these 401(k) providers head-to-head
Principal vs ForUsAllCompare these 401(k) providers head-to-head
Paychex vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between Paychex and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Paychex offers payroll integration while ForUsAll is known for crypto 401(k). In terms of fees, Paychex charges 0.10% - 1.2% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Paychex manages $48 billion in assets and serves 730,000 participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: Paychex vs ForUsAll
When comparing Paychex and ForUsAll, consider their core strengths: Paychex excels with seamless payroll-to-401(k) contribution processing, 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. Paychex's customer service rating is 3.8/5 compared to ForUsAll's 3.5/5. For mobile experience, Paychex scores 3.5/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose Paychex if you prioritize paychex payroll clients. 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 Paychex and ForUsAll provider pages.
Frequently Asked Questions
Paychex scores higher in our 2026 rankings with 7.0/10. Paychex is best for paychex payroll clients, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
Paychex charges expense ratios of 0.10% - 1.2% with admin fees of $80 - $150/month + per-employee fees. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. Paychex's fees rating is 3.4/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between Paychex and ForUsAll. Paychex uses Paychex Flex for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Paychex offers 401(k) loans. ForUsAll does not offer 401(k) loans.
Paychex scores 3.6/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Paychex'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. Paychex is best for paychex payroll clients, small to mid-size businesses, companies wanting bundled hr+retirement, peo participants. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Paychex charges $80 - $150/month + per-employee fees 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