Updated 2026-03-20
TIAA vs ForUsAll 401(k) Comparison
Compare TIAA (#9, 7.9/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | TIAA | ForUsAll |
|---|---|---|
| Overall Score | 7.9/10 | 6.4/10 |
| Rank | #9 | #22 |
| AUM | $1.3 trillion | $2 billion |
| Participants | 5 million | 50,000 |
| Plan Sponsors | 15,000+ | 2,000+ |
| Founded | 1918 | 2012 |
Ratings Comparison
| Category | TIAA | ForUsAll |
|---|---|---|
| Fees & Costs | 4.0/5 | 3.3/5 |
| Investment Options | 4.0/5 | 3.5/5 |
| Customer Service | 4.3/5 | 3.5/5 |
| Mobile App | 3.9/5 | 3.8/5 |
Fee Comparison
| Fee Type | TIAA | ForUsAll |
|---|---|---|
| Admin Fees | Varies by institution | $120/month + $6/employee |
| Expense Ratios | 0.05% - 1.0% | 0.03% - 0.50% + crypto fees |
| Trading Fees | $0 for TIAA funds | $0 for funds, varies for crypto |
| Advisory Fees | 0.30% - 1.0% | Included |
TIAA Strengths
- Dominant in education sector
- Strong lifetime income/annuity options
- Mission-aligned for nonprofits
- Excellent retirement income planning
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 | TIAA | ForUsAll |
|---|---|---|
| Rollover Platform | TIAA.org | ForUsAll App |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via TIAA.org, Phone (800-842-2252), TIAA offices | Online via ForUsAll platform, Email support |
| Distribution Options | Lump sum, Partial withdrawal, Lifetime income annuity, Systematic withdrawals, Rollover to IRA | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose TIAA if you want:
- Educators
- Nonprofits
- Healthcare workers
- Income-focused retirees
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: TIAA vs ForUsAll
TIAA wins this comparison with a score of 7.9/10 vs 6.4/10. TIAA excels with dominant in education sector, 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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TIAA vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between TIAA and ForUsAll for your 401(k) is an important decision that affects your retirement savings. TIAA offers education focus while ForUsAll is known for crypto 401(k). In terms of fees, TIAA charges 0.05% - 1.0% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. TIAA manages $1.3 trillion in assets and serves 5 million participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: TIAA vs ForUsAll
When comparing TIAA and ForUsAll, consider their core strengths: TIAA excels with dominant in education sector, 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. TIAA's customer service rating is 4.3/5 compared to ForUsAll's 3.5/5. For mobile experience, TIAA scores 3.9/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose TIAA if you prioritize educators. 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 TIAA and ForUsAll provider pages.
Frequently Asked Questions
TIAA scores higher in our 2026 rankings with 7.9/10. TIAA is best for educators, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
TIAA charges expense ratios of 0.05% - 1.0% with admin fees of Varies by institution. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. TIAA's fees rating is 4.0/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between TIAA and ForUsAll. TIAA uses TIAA.org for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
TIAA offers 401(k) loans. ForUsAll does not offer 401(k) loans.
TIAA scores 4.0/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. TIAA's investment options include TIAA Funds, CREF Variable Annuities, Target Date Funds. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.
For small businesses, consider plan minimums and per-participant costs. TIAA is best for educators, nonprofits, healthcare workers, income-focused retirees. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: TIAA charges Varies by institution 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