Connect your payroll with your 401(k) provider



Automate your 401(k) by easily adding payroll integration with

Setup a new 401(k) plan

Quickly setup and integrate a new 401(k) plan with


. Choose any of the top 401(k) providers like Vanguard, Fidelity etc.

Integrate an existing plan

Quickly integrate your existing recordkeeper with


payroll and automate time-consuming plan administrative work.  



ForUsAll integrates with Xero for affordable, comprehensive 401(k) solutions, simplifying setup with leading recordkeepers to secure employees' futures.

Garbage In, Excellence Out: Guaranteed

Payroll complexities like earnings codes, benefit mappings, start dates, rehire dates, hours worked, 401(k) loan amortization, and savings rates must be perfect - even minor inaccuracies in configurations can lead to significant IRS penalties. With ForUsAll, you or your payroll doesn’t need to be perfect: 

  • Robust Error Detection: Payroll X-ray runs up to 44 checks for each person in each payroll file to help ensure every contribution is precisely accurate.

  • Transparent Correction Logs: Our system identifies and fixes errors logging corrections for full transparency auditability.

  • Seamless Year-End Reconciliation: Automated data reconciliation helps make year-end census work as easy as clicking a button.  

  • $5M Compliance Guarantee*: We stand behind our work offering unparalleled peace of mind and financial protection.

With ForUsAll, you can turn the daunting task of payroll processing into a seamless, error-free operation, ensuring excellence out of every input, no matter how complex.

*ForUsAll carries professional liability coverage of $5,000,000 which covers our ERISA plan advisory services (Advisor+ and Enhanced integration). See our standard plan services agreement for more details.

1,200+ payroll / recordkeeper integrations (and growing)

We support over 1,200 different integrations, so we can automate most any 401(k). If you don’t see your providers on our list, let us know – we constantly add providers to the growing list.

Pricing comparison of our payroll integration packages

Seamlessly integrate your payroll: discover the unique features of each 401(k) package.




$50/mo + 0.15% of AUM

Advisor Plus

0.20-0.40% of AUM


Full 360 paroll integration
Eligibility tracking and onboarding
Administrative fiduciary
Investment fiduciary
Participant education & communications
Holistic financial advisors for all employees

The benefits of 360º integration

We integrate your payroll provider with top 401(k) providers. Our 360 integrations automatically update savings rates and loans, track eligibility and send notices - putting your 401(k) on auto-pilot.

Reclaim your valuable time

Experience the convenience of auto-updating savings rates and loan repayments in payroll with ForUsAll's 360 integrations. Designed to handle eligibility tracking and notifications automatically, Xero with ForUsAll puts your 401(k) management on autopilot, letting you focus on growing your business​​.

Eliminate error-prone tasks

With ForUsAll's integration, Xero users benefit from the "Payroll X-Ray" feature, running up to 44 checks per employee for each payroll file. This innovation significantly reduces manual errors, saving you valuable time and preventing employee dissatisfaction​​.

Streamline enrollment

ForUsAll and Xero simplify the 401(k) enrollment process, ensuring your employees are promptly onboarded. Automated eligibility tracking and synced 401(k) census data keep your plan compliant and hassle-free​​.

Relax, we’ve got your back

Leverage ForUsAll's platform for unparalleled fiduciary protection. With a 3(16) fiduciary service, we assume the legal liability for your plan's day-to-day administration, offering peace of mind and compliance with ERISA standards​​.

Integrate payroll to your 401(k) provider

The set up process takes 3 minutes

Step 1: Create your account

Get started by registering with us, It's fast, straightforward.

Step 2: Connect your payroll

Connect your payroll provider to effortlessly, utilizing top-notch security.

Step 3: Connect your 401(k)

Integrate your 401(k) provider to easily oversee that all payroll is being synced correctly.

Learn more


Seamless payroll integration for efficient 401(k) management.


Serving small businesses worldwide since 2006, Xero is a leader in cloud accounting. With 3.95 million subscribers, it offers a suite of online features, including payroll integration with Gusto. Discover how Xero can transform your payroll process at Xero's Pricing Page​​​​.


Xero stands out with its comprehensive cloud-based accounting solution, designed for small businesses. Its global footprint and robust integration with over 1,000 apps, including Gusto for payroll, position Xero uniquely in the marketplace. This deep integration is key to simplifying 401(k) contributions for small businesses​​​​.


Xero offers transparent, flexible pricing plans to fit businesses of all sizes, with no hidden fees. Its collaboration with Gusto for payroll services provides an all-in-one solution for managing your finances and 401(k) contributions efficiently. Learn more about Xero's cost-effective plans at Xero's Pricing Page​​​​.

Company Stats

Employer Size


Employer Count






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This material has been prepared for informational and educational purposes only and should not be construed as a recommendation by ForUsAll, Inc., its affiliates or employees (collectively, “ForUsAll”)  to activate a cryptocurrency window or invest in crypto.  Investing in crypto can be risky and investors must be able to afford to lose their entire investment.  You should consult with your own advisers before activating a cryptocurrency window or investing in crypto.  ForUsAll does not provide legal, tax, or accounting advice. Please refer to your Plan's fee disclosure for more details.© 2023 ForUsAll, Inc. All rights reserved.
1 Schwab 2022 401(k) Participant Study - Gen Z/Millenial Focus, October 2022.
2 As of 12/31/2022. Employees include both current employees and terminated participants with a balance.
3 "Morgan Stanley At Work: The Value of a Financial Advisor" Morgan Stanley, March 2022.
4 Sarah Britton was a client when she provided this testimonial through an independent third party review website. She received no compensation for her remarks. There are no known conflicts of interest in the provision of her comments related to the services provided.

Enhanced Payroll Integration