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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 · $49
No accountAnnual passportSelf-preparation

Filing packet

IRS Form 5500-EZ

$49
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
Solo 5500 Desk is independent self-help software for simple Form 5500-EZ packet preparation for owner-only / one-participant Solo 401(k) scenarios. It is not a law firm, CPA/EA/ERPA practice, actuarial firm, third-party administrator, fiduciary, investment adviser, EFAST2 transmitter, or government agency. You review the packet and file through the official channel.

Record-ready intake

Designed to be fast when your records are ready and the case stays in scope.

Official-source first

Every deadline claim is tied to a government source.

Packet + passport

The output is reusable next year, not trapped in an account.

Why this price

The same recurring admin pain, fewer 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.

Comparison of filing options, prices, and tradeoffs
OptionPriceTradeoff
Solo 5500 Desk$49Packet preparation only; no EFAST2 transmission or retirement plan advice
CPA or plan administrator$150-$350+Higher price and often a slower intake process
IRS instructions only$0No guided packet, no passport, no annual reminder
EFAST2 or paper workflow alone$0 service feeOfficial filing channel, but no eligibility gate, source-number review layer, or annual passport

Official sources

Built to be cited, not guessed.

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 May 2, 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 May 2, 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 May 2, 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 May 2, 2026.DOL EFAST2 filer helpOfficial DOL guidance on electronic filing, IFILE, credentials, and approved software requirements. Official source reviewed for this MVP on May 2, 2026.IRS Form 5558 extensionOfficial extension form context for Form 5500-series returns. Official source reviewed for this MVP on May 2, 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.