Updated 2026-03-20
Vestwell vs ForUsAll 401(k) Comparison
Compare Vestwell (#21, 6.5/10) and ForUsAll (#22, 6.4/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Vestwell | ForUsAll |
|---|---|---|
| Overall Score | 6.5/10 | 6.4/10 |
| Rank | #21 | #22 |
| AUM | $30 billion | $2 billion |
| Participants | 300,000 | 50,000 |
| Plan Sponsors | 25,000+ | 2,000+ |
| Founded | 2016 | 2012 |
Ratings Comparison
| Category | Vestwell | ForUsAll |
|---|---|---|
| Fees & Costs | 3.6/5 | 3.3/5 |
| Investment Options | 3.8/5 | 3.5/5 |
| Customer Service | 3.6/5 | 3.5/5 |
| Mobile App | 3.5/5 | 3.8/5 |
Fee Comparison
| Fee Type | Vestwell | ForUsAll |
|---|---|---|
| Admin Fees | Set by advisor/distributor | $120/month + $6/employee |
| Expense Ratios | 0.03% - 1.0% | 0.03% - 0.50% + crypto fees |
| Trading Fees | $0 | $0 for funds, varies for crypto |
| Advisory Fees | Set by financial advisor | Included |
Vestwell Strengths
- Modern API-first technology platform
- White-label options for advisors
- Open architecture investment lineup
- Integrates with 100+ payroll providers
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 | Vestwell | ForUsAll |
|---|---|---|
| Rollover Platform | Vestwell Portal | ForUsAll App |
| Loans Available | Yes | No |
| Withdrawal Methods | Through financial advisor, Plan administrator portal, Phone support | Online via ForUsAll platform, Email support |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions | Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Vestwell if you want:
- Financial advisors
- Payroll companies
- Institutional distributors
- State IRA mandate compliance
Choose ForUsAll if you want:
- Crypto-curious employees
- Tech-forward companies
- Employers wanting alternative investments
- Small businesses
Our Verdict: Vestwell vs ForUsAll
Vestwell wins this comparison with a score of 6.5/10 vs 6.4/10. Vestwell excels with modern api-first technology platform, 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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Vestwell vs ForUsAll: Complete 401(k) Comparison for 2026
Choosing between Vestwell and ForUsAll for your 401(k) is an important decision that affects your retirement savings. Vestwell offers white label while ForUsAll is known for crypto 401(k). In terms of fees, Vestwell charges 0.03% - 1.0% expense ratios compared to ForUsAll's 0.03% - 0.50% + crypto fees. Vestwell manages $30 billion in assets and serves 300,000 participants, while ForUsAll has $2 billion AUM and 50,000 participants.
Key Differences: Vestwell vs ForUsAll
When comparing Vestwell and ForUsAll, consider their core strengths: Vestwell excels with modern api-first technology platform, 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. Vestwell's customer service rating is 3.6/5 compared to ForUsAll's 3.5/5. For mobile experience, Vestwell scores 3.5/5 while ForUsAll scores 3.8/5.
Which Provider is Right for You?
Choose Vestwell if you prioritize financial advisors. 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 Vestwell and ForUsAll provider pages.
Frequently Asked Questions
Vestwell scores higher in our 2026 rankings with 6.5/10. Vestwell is best for financial advisors, while ForUsAll is best for crypto-curious employees. The right choice depends on your employer's plan and your priorities.
Vestwell charges expense ratios of 0.03% - 1.0% with admin fees of Set by advisor/distributor. ForUsAll charges 0.03% - 0.50% + crypto fees expense ratios with admin fees of $120/month + $6/employee. Vestwell's fees rating is 3.6/5 compared to ForUsAll's 3.3/5.
Yes, you can roll over between Vestwell and ForUsAll. Vestwell uses Vestwell Portal for rollovers, while ForUsAll uses ForUsAll App. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Vestwell offers 401(k) loans. ForUsAll does not offer 401(k) loans.
Vestwell scores 3.8/5 for investment options, while ForUsAll scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Vestwell's investment options include Open Architecture, Mutual Funds, Target Date Funds. ForUsAll offers Index Funds, Target Date Funds, Cryptocurrency.
For small businesses, consider plan minimums and per-participant costs. Vestwell is best for financial advisors, payroll companies, institutional distributors, state ira mandate compliance. ForUsAll is best for crypto-curious employees, tech-forward companies, employers wanting alternative investments, small businesses. Compare admin fees: Vestwell charges Set by advisor/distributor 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