Updated 2026-03-20
Vanguard vs ForUsAll 401(k) Comparison
Compare Vanguard (#2, 9.3/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Vanguard | ForUsAll |
|---|---|---|
| Overall Score | 9.3/10 | 6.4/10 |
| Rank | #2 | #22 |
| AUM | $8.6 trillion | $2 billion |
| Participants | 32 million | 50,000 |
| Plan Sponsors | 5,600+ | 2,000+ |
| Founded | 1975 | 2012 |
Ratings Comparison
| Category | Vanguard | ForUsAll |
|---|---|---|
| Fees & Costs | 5.0/5 | 3.3/5 |
| Investment Options | 4.5/5 | 3.5/5 |
| Customer Service | 4.2/5 | 3.5/5 |
| Mobile App | 4.0/5 | 3.8/5 |
Fee Comparison
| Fee Type | Vanguard | ForUsAll |
|---|---|---|
| Admin Fees | $0 - $60/year | $120/month + $6/employee |
| Expense Ratios | 0.03% - 0.50% | 0.03% - 0.50% + crypto fees |
| Trading Fees | $0 for Vanguard funds | $0 for funds, varies for crypto |
| Advisory Fees | 0.30% | Included |
Vanguard Strengths
- Lowest expense ratios in the industry
- Investor-owned structure aligns interests
- Excellent target-date fund lineup (VTIVX series)
- Admiral Shares offer even lower costs at $3,000 minimum
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 | Vanguard | ForUsAll |
|---|---|---|
| Rollover Platform | Vanguard.com | ForUsAll App |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via Vanguard.com, Phone (800-523-1188) | 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 Vanguard if you want:
- Buy-and-hold investors
- Cost-minimizers
- Index fund believers
- Long-term planners
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: Vanguard vs ForUsAll
Vanguard wins this comparison with a score of 9.3/10 vs 6.4/10. Vanguard excels with lowest expense ratios in the industry, 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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Vanguard vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between Vanguard and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Vanguard offers lowest costs while ForUsAll is known for crypto 401(k). In terms of fees, Vanguard charges 0.03% - 0.50% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Vanguard manages $8.6 trillion in assets and serves 32 million participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: Vanguard vs ForUsAll
When comparing Vanguard and ForUsAll, consider their core strengths: Vanguard excels with lowest expense ratios in the industry, 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. Vanguard's customer service rating is 4.2/5 compared to ForUsAll's 3.5/5. For mobile experience, Vanguard scores 4.0/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose Vanguard if you prioritize buy-and-hold investors. 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 Vanguard and ForUsAll provider pages.
Frequently Asked Questions
Vanguard scores higher in our 2026 rankings with 9.3/10. Vanguard is best for buy-and-hold investors, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
Vanguard charges expense ratios of 0.03% - 0.50% with admin fees of $0 - $60/year. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. Vanguard's fees rating is 5.0/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between Vanguard and ForUsAll. Vanguard uses Vanguard.com for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Vanguard offers 401(k) loans. ForUsAll does not offer 401(k) loans.
Vanguard scores 4.5/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Vanguard'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. Vanguard is best for buy-and-hold investors, cost-minimizers, index fund believers, long-term planners. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Vanguard charges $0 - $60/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