Updated 2026-03-20
Prudential vs ForUsAll 401(k) Comparison
Compare Prudential Financial (#12, 7.4/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Prudential | ForUsAll |
|---|---|---|
| Overall Score | 7.4/10 | 6.4/10 |
| Rank | #12 | #22 |
| AUM | $1.4 trillion | $2 billion |
| Participants | 5 million | 50,000 |
| Plan Sponsors | 25,000+ | 2,000+ |
| Founded | 1875 | 2012 |
Ratings Comparison
| Category | Prudential | ForUsAll |
|---|---|---|
| Fees & Costs | 3.5/5 | 3.3/5 |
| Investment Options | 3.7/5 | 3.5/5 |
| Customer Service | 3.9/5 | 3.5/5 |
| Mobile App | 3.6/5 | 3.8/5 |
Fee Comparison
| Fee Type | Prudential | ForUsAll |
|---|---|---|
| Admin Fees | $1,000 - $4,000/year | $120/month + $6/employee |
| Expense Ratios | 0.20% - 1.1% | 0.03% - 0.50% + crypto fees |
| Trading Fees | Plan dependent | $0 for funds, varies for crypto |
| Advisory Fees | 0.40% - 0.90% | Included |
Prudential Strengths
- Strong guaranteed income options
- complete financial wellness programs
- Insurance product integration
- Long track record and stability
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 | Prudential | ForUsAll |
|---|---|---|
| Rollover Platform | Prudential via Empower | ForUsAll App |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via Empower platform, Phone (877-778-2100) | Online via ForUsAll platform, Email support |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Guaranteed lifetime income (IncomeFlex), Rollover to IRA | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Prudential if you want:
- Guaranteed income seekers
- Large employers
- Insurance-focused planning
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: Prudential vs ForUsAll
Prudential Financial wins this comparison with a score of 7.4/10 vs 6.4/10. Prudential excels with strong guaranteed income 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.
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Prudential vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between Prudential Financial and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Prudential offers guaranteed income while ForUsAll is known for crypto 401(k). In terms of fees, Prudential charges 0.20% - 1.1% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Prudential manages $1.4 trillion in assets and serves 5 million participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: Prudential vs ForUsAll
When comparing Prudential and ForUsAll, consider their core strengths: Prudential excels with strong guaranteed income 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. Prudential's customer service rating is 3.9/5 compared to ForUsAll's 3.5/5. For mobile experience, Prudential scores 3.6/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose Prudential if you prioritize guaranteed income seekers. 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 Prudential and ForUsAll provider pages.
Frequently Asked Questions
Prudential Financial scores higher in our 2026 rankings with 7.4/10. Prudential is best for guaranteed income seekers, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
Prudential charges expense ratios of 0.20% - 1.1% 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. Prudential's fees rating is 3.5/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between Prudential and ForUsAll. Prudential uses Prudential via Empower for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Prudential offers 401(k) loans. ForUsAll does not offer 401(k) loans.
Prudential scores 3.7/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Prudential's investment options include Mutual Funds, Target Date Funds, Guaranteed Income. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.
For small businesses, consider plan minimums and per-participant costs. Prudential is best for guaranteed income seekers, large employers, insurance-focused planning. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Prudential 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