Updated 2026-03-20

ForUsAll 401(k) Provider Review

ForUsAll is the first 401(k) provider to offer cryptocurrency investment options within retirement plans.

Crypto-Enabled 401(k) Pioneer • Rank #22 • Score: 6.4/10 • Founded 2012 • San Francisco, CA

$2 billion
Assets Under Management
50,000
Total Participants
2,000+
Plan Sponsors
2012
Year Founded

Ratings Breakdown

Fees & Costs
3.3/5
Investment Options
3.5/5
Customer Service
3.5/5
Mobile App
3.8/5

Pros and Cons

Advantages

  • First 401(k) with crypto investment options
  • Coinbase-powered crypto trading window
  • Automated 5% crypto allocation guardrail
  • Modern technology platform
  • ESG and alternative options
  • Low-cost index fund core

Disadvantages

  • Crypto allocation adds risk
  • Smaller company with limited track record
  • DOL has raised concerns about crypto in 401(k)s
  • Higher fees than pure index providers
  • Limited to small and mid-size businesses

ForUsAll 401(k) Fees

Fee TypeAmount
Administrative Fees$120/month + $6/employee
Expense Ratios0.03% - 0.50% + crypto fees
Trading Fees$0 for funds, varies for crypto
Advisory FeesIncluded

ForUsAll 401(k) Rollover Options

Rolling Into ForUsAll

ForUsAll accepts rollovers from 401(k), 403(b), and IRA accounts through their online platform. After rollover assets settle in your account, you can allocate up to 5% to cryptocurrency through the Coinbase-powered trading window. The remaining balance is invested in low-cost index fund portfolios. The digital process typically completes within 7-10 business days.

Platform: ForUsAll App

Rolling Out of ForUsAll

Request an outbound rollover through ForUsAll support. Important: cryptocurrency positions must be liquidated at current market prices before transfer, as crypto assets cannot be rolled over in kind. Only traditional investments (index funds, ETFs) can be transferred. Direct rollovers to IRAs and other qualified plans are available with no outgoing fees.

Rollover tip: Cryptocurrency positions in your ForUsAll 401(k) cannot be rolled over in kind to another provider. They must be sold and transferred as cash. This means timing your rollover matters - crypto prices can be volatile. Consider selling crypto allocations during favorable market conditions before initiating a rollover.

ForUsAll 401(k) Withdrawals & Distributions

Withdrawal Methods

Online via ForUsAll platformEmail support

Distribution Options

Lump sumPartial withdrawalRollover to IRARequired Minimum Distributions

ForUsAll processes withdrawals digitally through their platform. Cryptocurrency positions are automatically liquidated at current market prices during withdrawal processing. Traditional investment positions are processed separately. Processing typically takes 3-5 business days after crypto liquidation settles.

ForUsAll 401(k) Loans

ForUsAll 401(k) plans do not currently offer participant loans. This design choice keeps plan costs low and avoids the complexity of crypto-backed loans. Participants needing emergency access to funds must take a distribution, which may be subject to income taxes and a 10% early withdrawal penalty if under age 59 1/2. Hardship withdrawals may be available if the plan document permits.

Note: ForUsAll does not currently offer 401(k) participant loans.

Investment Options

Index FundsTarget Date FundsCryptocurrencyESG FundsETFs

Key Features

Crypto Investment Window
Coinbase Integration
Alt 401(k)
Auto-Rebalancing
ESG Options

Best For

Complete ForUsAll 401(k) Review for 2026

ForUsAll ranks #22 in our 2026 401(k) provider rankings with an overall score of 6.4 out of 10. Founded in 2012 and headquartered in San Francisco, CA, ForUsAll manages $2 billion in assets and serves 50,000 participants across 2,000+ plan sponsors.

Why Choose ForUsAll for Your 401(k)?

ForUsAll made history as the first 401(k) provider to offer cryptocurrency investment options within employer-sponsored retirement plans. Their Alt 401(k) product, powered by a Coinbase trading window, allows participants to allocate up to 5% of their contributions to cryptocurrencies like Bitcoin and Ethereum - a feature no traditional 401(k) provider offers. The remaining 95%+ stays in low-cost index fund portfolios, maintaining a responsible core allocation.

ForUsAll's approach reflects the growing demand for alternative investments within retirement accounts, especially among younger workers and tech employees. While the Department of Labor has expressed caution about crypto in 401(k) plans, ForUsAll maintains fiduciary compliance through strict allocation guardrails, participant education requirements, and real-time risk monitoring. Their platform also offers ESG (environmental, social, governance) investment options for socially conscious investors. For companies wanting to attract and retain talent with forward-looking retirement benefits, ForUsAll offers a genuinely differentiated 401(k) plan.

Popular searches: ForUsAll 401k login, ForUsAll crypto 401k, Alt 401k, ForUsAll 401k fees, ForUsAll Bitcoin 401k, ForUsAll Coinbase, crypto 401k plan, ForUsAll review, cryptocurrency retirement plan, ForUsAll 401k rollover, ForUsAll ESG funds.

Related 401(k) Guides

401(k) Rollover GuideHow to roll over your 401(k) when changing jobs or providers2026 Contribution LimitsCurrent 401(k) contribution limits and catch-up rules401(k) CalculatorCalculate your projected retirement savings401(k) Setup GuideStep-by-step guide to setting up a 401(k) planEmployer Match GuideHow employer matching works and vesting schedulesCrypto in 401(k) PlansShould you add cryptocurrency to your retirement plan?401(k) Investment OptionsUnderstanding all your 401(k) investment choicesLeaving Your Job?What to do with your 401(k) when you leave

Frequently Asked Questions

ForUsAll charges administrative fees that vary by plan size. Expense ratios range from 0.03% - 0.50% + crypto fees, and advisory fees are Included. Compare plans carefully as total costs depend on your plan size and investment selections.

You can log into your ForUsAll 401(k) account through the plan provider portal. Current and former employees can use the participant login page. First-time users will need to register with their Social Security number and date of birth.

ForUsAll ranks #22 in our 2026 provider rankings with a score of 6.4/10. They manage $2 billion in assets and serve 50,000 participants. They are particularly strong for Crypto-curious employees, Tech-forward companies, Employers wanting alternative investments, Small businesses.

Yes, you can roll over your ForUsAll 401(k) to a Traditional IRA, Roth IRA, or a new employer plan. A direct rollover avoids mandatory tax withholding. Contact ForUsAll or your new provider to initiate the transfer.

ForUsAll offers a range of investment options including Index Funds, Target Date Funds, Cryptocurrency, ESG Funds, ETFs. The specific fund lineup depends on your plan and may change periodically.

ForUsAll scores 6.4/10 overall with ratings of 3.3/5 for fees, 3.5/5 for investment options, 3.5/5 for customer service, and 3.8/5 for mobile app. Compare with other top providers on our comparison pages.

To roll into ForUsAll: ForUsAll accepts rollovers from 401(k), 403(b), and IRA accounts through their online platform. After rollover assets settle in your account, you can allocate up to 5% to cryptocurrency through the Coinbase-powered trading window. The remaining balance is invested in low-cost index fund portfolios. The digital process typically completes within 7-10 business days. To roll out: Request an outbound rollover through ForUsAll support. Important: cryptocurrency positions must be liquidated at current market prices before transfer, as crypto assets cannot be rolled over in kind. Only traditional investments (index funds, ETFs) can be transferred. Direct rollovers to IRAs and other qualified plans are available with no outgoing fees. Use the ForUsAll App platform to manage your rollover.

ForUsAll offers withdrawals via Online via ForUsAll platform, Email support. Distribution options include Lump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions. ForUsAll processes withdrawals digitally through their platform. Cryptocurrency positions are automatically liquidated at current market prices during withdrawal processing. Traditional investment positions are processed separately. Processing typically takes 3-5 business days after crypto liquidation settles.

ForUsAll 401(k) plans do not currently offer participant loans. This design choice keeps plan costs low and avoids the complexity of crypto-backed loans. Participants needing emergency access to funds must take a distribution, which may be subject to income taxes and a 10% early withdrawal penalty if under age 59 1/2. Hardship withdrawals may be available if the plan document permits.

Disclaimer: This review is for educational purposes only and is not financial advice. Provider details may change. Contact ForUsAll directly for the most current plan information.

Pavlo Pyskunov

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