Form 5500: Filing Deadlines for Your 401k Plan

Most 401k plans require that you file an Annual Form 5500. The Form 5500 is basically a return that you file with the Employee Benefits Security Administration (EBSA – Department of Labor Processing Division) each year.

form 5500 filing deadlines for 401k plan

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This is an informational return that reports the financial information for your retirement plan for the year and does not require the payment of any taxes. The plan must file the Form 5500 and any accompanying schedules by the last day of the seventh month following the close of the plan year.

For calendar year plans, this date is July 31st.  Most retirement plan vendors prepare a signature ready 5500 for this purpose. All that is needed is for you to forward a signed copy directly to the EBSA.

You can file an extension for up to two and a half months by filing a Form 5558. This would extend the filing period for calendar year plans to October 15th.

Check with your retirement plan vendor if you not received your 5500 or if you need to file an extension.

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About Peter Philipp, CFA, CFP®

Peter Philipp specializes in employee benefits and investment management for businesses and individuals. In 1993, he helped launch the world’s first target-date funds, a concept which has become the cornerstone of today’s 401(k) plans. Peter holds both the Chartered Financial Analyst designation and the CERTIFIED FINANCIAL PLANNER™ certification, an elite distinction since less than half of 1% of all financial advisors are “dually‐certified.”

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  1. [...] Form 5500: Filing Deadlines for Your 401k Plan — Summary: Most 401k plans require that you file an Annual Form 5500. This is an informational return that reports the financial information for your retirement plan for the year and does not require the payment of any taxes. The plan must file the Form 5500 and any accompanying schedules by the last day of the seventh month following the close of the plan year. Source: 401k-employee-benefits.com [...]


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