FORUSALL

ForUsAll does not operate a discretionary fund; it acts as a fiduciary plan administrator. The investment menu design is overseen by the firm's investment committee in conjunction with its ERISA 3(38) fiduciary service. Plan sponsors select offerings from the curated menu, which blends passive index funds from Vanguard and Dimensional Fund Advisors with the optional Alt401(k) crypto window. The crypto option is custodied by Coinbase Institutional and offered as a self-directed allocation up to 5% of account balances.

Launched in 2021, the Alt401(k) permits participants to allocate up to 5% of their retirement account balance to a pre-selected menu of cryptocurrencies including Bitcoin and Ethereum. The program uses an integrated trading, custody, and education layer built with Coinbase Institutional. Participants receive trade notifications and educational content with each transaction, and the firm's fiduciary oversight monitors concentration risk at the plan level.

ForUsAll sued the US Department of Labor in 2022 after the agency issued Compliance Assistance Release No. 2022-01, which warned fiduciaries against offering cryptocurrency in 401(k) plans. The firm argued the guidance was procedurally invalid under the Administrative Procedure Act. In 2023, a Washington D.C. district court denied the Department's motion to dismiss, allowing ForUsAll to continue offering crypto while the case proceeded — effectively creating a regulatory safe harbor for plan sponsors using its platform.

ForUsAll does not make institutional fund commitments or operate as an asset manager. It generates revenue as a fee-based plan administrator and fiduciary advisor for small- and mid-sized employer retirement plans. The firm collects a per-participant or asset-based fee from plan sponsors, not carried interest or management fees from pooled investment vehicles.

ForUsAll targets small to mid-sized businesses with 10 to 500 employees, a segment historically underserved by large recordkeepers. Its publicly disclosed client roster includes early-stage technology companies, professional-services firms, and nonprofits. The firm distributes through independent financial advisors who value the integrated fiduciary, payroll-integration, and employee-education features.