Updated 2026-03-20
Schwab vs ForUsAll 401(k) Comparison
Compare Charles Schwab (#3, 9.1/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Schwab | ForUsAll |
|---|---|---|
| Overall Score | 9.1/10 | 6.4/10 |
| Rank | #3 | #22 |
| AUM | $8.5 trillion | $2 billion |
| Participants | 28 million | 50,000 |
| Plan Sponsors | 3,200+ | 2,000+ |
| Founded | 1971 | 2012 |
Ratings Comparison
| Category | Schwab | ForUsAll |
|---|---|---|
| Fees & Costs | 4.5/5 | 3.3/5 |
| Investment Options | 4.7/5 | 3.5/5 |
| Customer Service | 4.7/5 | 3.5/5 |
| Mobile App | 4.5/5 | 3.8/5 |
Fee Comparison
| Fee Type | Schwab | ForUsAll |
|---|---|---|
| Admin Fees | $0 - varies by plan | $120/month + $6/employee |
| Expense Ratios | 0.03% - 0.80% | 0.03% - 0.50% + crypto fees |
| Trading Fees | $0 for stocks/ETFs | $0 for funds, varies for crypto |
| Advisory Fees | 0% - 0.80% | Included |
Schwab Strengths
- Excellent customer service with 24/7 support
- complete research and education tools
- Schwab Intelligent Portfolios (free robo-advisor)
- Strong integration after TD Ameritrade merger
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 | Schwab | ForUsAll |
|---|---|---|
| Rollover Platform | Schwab.com | ForUsAll App |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via Schwab.com, Phone (800-724-7526), Schwab branch offices | Online via ForUsAll platform, Email support |
| Distribution Options | Lump sum, Partial withdrawal, Systematic withdrawals, Rollover to IRA | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Schwab if you want:
- Full-service seekers
- Active traders
- Those wanting local branches
- TD Ameritrade users
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: Schwab vs ForUsAll
Charles Schwab wins this comparison with a score of 9.1/10 vs 6.4/10. Schwab excels with excellent customer service with 24/7 support, 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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Schwab vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between Charles Schwab and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Schwab offers full service while ForUsAll is known for crypto 401(k). In terms of fees, Schwab charges 0.03% - 0.80% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Schwab manages $8.5 trillion in assets and serves 28 million participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: Schwab vs ForUsAll
When comparing Schwab and ForUsAll, consider their core strengths: Schwab excels with excellent customer service with 24/7 support, 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. Schwab's customer service rating is 4.7/5 compared to ForUsAll's 3.5/5. For mobile experience, Schwab scores 4.5/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose Schwab if you prioritize full-service 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 Schwab and ForUsAll provider pages.
Frequently Asked Questions
Charles Schwab scores higher in our 2026 rankings with 9.1/10. Schwab is best for full-service seekers, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
Schwab charges expense ratios of 0.03% - 0.80% with admin fees of $0 - varies by plan. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. Schwab's fees rating is 4.5/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between Schwab and ForUsAll. Schwab uses Schwab.com for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Schwab offers 401(k) loans. ForUsAll does not offer 401(k) loans.
Schwab scores 4.7/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Schwab's investment options include Index Funds, Target Date Funds, Mutual Funds. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.
For small businesses, consider plan minimums and per-participant costs. Schwab is best for full-service seekers, active traders, those wanting local branches, td ameritrade users. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Schwab charges $0 - varies by plan 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