Updated 2026-03-20
Transamerica vs ForUsAll 401(k) Comparison
Compare Transamerica (#11, 7.5/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Transamerica | ForUsAll |
|---|---|---|
| Overall Score | 7.5/10 | 6.4/10 |
| Rank | #11 | #22 |
| AUM | $300 billion | $2 billion |
| Participants | 6 million | 50,000 |
| Plan Sponsors | 35,000+ | 2,000+ |
| Founded | 1904 | 2012 |
Ratings Comparison
| Category | Transamerica | ForUsAll |
|---|---|---|
| Fees & Costs | 3.6/5 | 3.3/5 |
| Investment Options | 3.7/5 | 3.5/5 |
| Customer Service | 3.8/5 | 3.5/5 |
| Mobile App | 3.5/5 | 3.8/5 |
Fee Comparison
| Fee Type | Transamerica | ForUsAll |
|---|---|---|
| Admin Fees | $750 - $3,000/year | $120/month + $6/employee |
| Expense Ratios | 0.25% - 1.2% | 0.03% - 0.50% + crypto fees |
| Trading Fees | Plan dependent | $0 for funds, varies for crypto |
| Advisory Fees | 0.35% - 0.85% | Included |
Transamerica Strengths
- complete financial wellness programs
- Flexible plan design options
- Strong educational resources and tools
- Integrated workplace benefits platform
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 | Transamerica | ForUsAll |
|---|---|---|
| Rollover Platform | Transamerica.com | ForUsAll App |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via Transamerica.com, Phone (800-755-5801) | Online via ForUsAll platform, Email support |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Transamerica if you want:
- Mid-sized companies
- Integrated benefits seekers
- Financial wellness focus
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: Transamerica vs ForUsAll
Transamerica wins this comparison with a score of 7.5/10 vs 6.4/10. Transamerica excels with complete financial wellness programs, 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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Transamerica vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between Transamerica and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Transamerica offers workplace benefits while ForUsAll is known for crypto 401(k). In terms of fees, Transamerica charges 0.25% - 1.2% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Transamerica manages $300 billion in assets and serves 6 million participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: Transamerica vs ForUsAll
When comparing Transamerica and ForUsAll, consider their core strengths: Transamerica excels with complete financial wellness programs, 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. Transamerica's customer service rating is 3.8/5 compared to ForUsAll's 3.5/5. For mobile experience, Transamerica scores 3.5/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose Transamerica if you prioritize mid-sized companies. 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 Transamerica and ForUsAll provider pages.
Frequently Asked Questions
Transamerica scores higher in our 2026 rankings with 7.5/10. Transamerica is best for mid-sized companies, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
Transamerica charges expense ratios of 0.25% - 1.2% with admin fees of $750 - $3,000/year. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. Transamerica's fees rating is 3.6/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between Transamerica and ForUsAll. Transamerica uses Transamerica.com for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Transamerica offers 401(k) loans. ForUsAll does not offer 401(k) loans.
Transamerica scores 3.7/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Transamerica's investment options include Mutual Funds, Target Date Funds, Stable Value. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.
For small businesses, consider plan minimums and per-participant costs. Transamerica is best for mid-sized companies, integrated benefits seekers, financial wellness focus. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Transamerica charges $750 - $3,000/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