Solo 5500 Desk logoSolo 5500 DeskStart packet
Usually the last day of the 7th month after the plan year ends, so July 31 for calendar-year plans.

Prepare your Solo 401(k) Form 5500-EZ packet when your records are ready.

For simple, on-time one-participant Solo 401(k) plans only. We prepare your Form 5500-EZ answers and filing instructions; you review and file through the official IRS/DOL path.

Prepare my 5500-EZ packet · $49Not sure it fits? Check first
About 10 minutes

when records are ready

$49 one-time

software fee

No account

browser draft

Free Form 5500-EZ calculatorCheck the $250,000 threshold, final-year trigger, deadline, and filing method.Deadline calendarKey dates for IRS Form 5500-EZ.

Solo 5500 Desk is independent self-help software, not a law, tax, plan-administration, fiduciary, filing, or government service. You review and file through the official path.

Packet prepared

Form 5500-EZ preparation packet, filing checklist, and annual passport.

Scope checked first

Solo business owners, consultants, physicians, and creators with a one-participant 401(k).

Annual passport

A reusable record for next year, not a locked account.

Supported lane

Simple first, hard stops before the packet.

The product keeps the fast path narrow. It checks the supported case, prepares the packet, and sends anything outside scope to the official source or a professional.

Domestic one-participant Solo 401(k), owner/spouse or partners/spouses only
Simple defined contribution plan, original on-time return, current supported form year
Combined one-participant plan assets checked against the IRS $250,000 threshold
Mandatory EFAST2 threshold checked from the sponsor's count of IRS returns
Simple year-end statement assets, no plan liabilities or valuation complexity
Self-preparation packet only; the user signs and files through the official channel

Why this price

The recurring admin pain, without the extra layers.

The product does not sell advice. It sells a clean self-preparation workflow: collect facts, calculate the narrow packet, keep a passport, and point you to the official filing path.

Solo 5500 Desk

Price
$49
Tradeoff
Packet preparation only; no EFAST2 transmission or retirement plan advice

CPA or plan administrator

Price
$150-$350+
Tradeoff
Higher price and often a slower intake process

IRS instructions only

Price
$0
Tradeoff
No guided packet, no passport, no annual reminder

EFAST2 or paper workflow alone

Price
$0 service fee
Tradeoff
Official filing channel, but no eligibility gate, source-number review layer, or annual passport

Official sources

Grounded in the official IRS sources — no guesswork.

Each scope rule and checklist item points back to the current IRS forms, instructions, and bulletins. Open any source and verify it yourself — nothing here is invented.

IRS Form 5500-EZ filing noticesIRS states the $250,000 asset exception and the last-day-of-the-7th-month deadline. Official source reviewed for this MVP on June 11, 2026.IRS Instructions for Form 5500-EZOfficial instructions explain combined one-participant plan assets, final returns, and electronic filing requirements. Official source reviewed for this MVP on June 11, 2026.IRS one-participant plan project resultsIRS describes common one-participant plan filing mistakes, final-year filings, and failure-to-file penalties. Official source reviewed for this MVP on June 11, 2026.IRS mandatory electronic filing for Forms 8955-SSA and 5500-EZOfficial IRS guidance on the 10-return mandatory e-filing threshold and aggregation rules. Official source reviewed for this MVP on June 11, 2026.DOL EFAST2 filer helpOfficial DOL guidance on electronic filing, IFILE, credentials, and approved software requirements. Official source reviewed for this MVP on June 11, 2026.IRS Form 5558 extensionOfficial extension form context for Form 5500-series returns. Official source reviewed for this MVP on June 11, 2026.IRS Form 14704 late-filer transmittalOfficial transmittal schedule for the Form 5500-EZ Delinquent Filer Penalty Relief Program. Official source reviewed for this MVP on June 11, 2026.IRS Revenue Procedure 2015-32Official revenue procedure establishing the Form 5500-EZ late-filer penalty relief fee framework. Official source reviewed for this MVP on June 11, 2026.

Is Solo 5500 Desk a TPA or CPA firm?

No. Solo 5500 Desk is self-preparation software that structures your packet from facts you provide.

Can I use it below $250,000 in assets?

Usually you only need Form 5500-EZ above the ordinary combined one-participant-plan threshold or in a final plan year. The checker flags that distinction before you continue.

Does the $250,000 threshold apply per plan?

The IRS instructions treat the threshold as a combined total for one-participant plans maintained by the employer. Solo 5500 Desk asks you to check that before relying on the ordinary exception.

Can this handle a late 5500-EZ correction?

Not in the MVP. Late filing relief and penalty questions are outside the self-preparation lane and should be reviewed with the official IRS process or a qualified professional.

Does Solo 5500 Desk file through EFAST2 for me?

No. The MVP is packet-only. If the mandatory e-filing rules require EFAST2, you use the official DOL system or an approved provider. Solo 5500 Desk does not request or store EFAST2 credentials.

What if I have an IRS notice or need to amend a prior return?

Stop and use a TPA, CPA, EA, or attorney. IRS correspondence, amended returns, and late filing relief are outside the safe self-preparation scope.