Solo 5500 Desk vs MySolo401k Form 5500-EZ service
MySolo401k is a Solo 401(k) plan provider that bundles Form 5500-EZ preparation into its annual maintenance fee (~$125-$199 depending on tier). Solo 5500 Desk is a $49 standalone packet — no plan-document service, no investment custody, no annual maintenance. Use MySolo401k when you want a single annual relationship; use Solo 5500 Desk when you only need the form prepared.
Decision rule
Want bundled plan-doc + filing? MySolo401k. Just need the EZ packet? Solo 5500 Desk.
Form 5500-EZ price
- Solo 5500 Desk
- $49 standalone
- MySolo401k Form 5500-EZ service
- Bundled in $125-$199 annual maintenance
Plan document service
- Solo 5500 Desk
- No
- MySolo401k Form 5500-EZ service
- Yes (pre-approved plan with opinion letter)
Plan amendments included
- Solo 5500 Desk
- No
- MySolo401k Form 5500-EZ service
- Yes
Trust account / custody
- Solo 5500 Desk
- No
- MySolo401k Form 5500-EZ service
- No (you choose your own custodian)
Loan administration tools
- Solo 5500 Desk
- No
- MySolo401k Form 5500-EZ service
- Yes
Annual passport export
- Solo 5500 Desk
- Yes (PDF for next year)
- MySolo401k Form 5500-EZ service
- Account-locked records
Account required
- Solo 5500 Desk
- No
- MySolo401k Form 5500-EZ service
- Yes
Common questions
Can I use Solo 5500 Desk if my plan document is from MySolo401k?
Yes. The Form 5500-EZ is a separate annual filing. You can keep MySolo401k for the plan document and use Solo 5500 Desk for the cheaper annual packet.
Does MySolo401k require me to also use them for filing?
No. You can adopt their plan document and prepare Form 5500-EZ independently.
Will switching to Solo 5500 Desk break my plan?
No. The plan is established by the plan document, not by who prepares the form. The same EIN, plan number, and plan year continue regardless of where the packet is prepared.