$99 per filing

You made a late 401(k) deposit. Now what?

Form 5330 is required when participant contributions weren't deposited on time. 5330Prep calculates the excise tax and generates the IRS-official PDF — no CPA required for most straightforward filings.

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Why You're Here

What triggers Form 5330 for a plan sponsor

Late deposits are the most common trigger. If your company sponsors a 401(k) and contributions from employee paychecks weren't deposited into the plan trust within the DOL's window (typically 3–7 business days for small plans), you have a prohibited transaction under § 4975.

The excise tax is 15% of the lost earnings — usually a small dollar amount, but the filing is still required.

What 5330Prep Does

What 5330Prep does for you

Calculates lost earnings automatically using the correct IRC § 6621 underpayment rate
Fills the official IRS Form 5330 PDF (Rev. December 2025) including all Schedule C lines
Tells you exactly where to mail it and what to include
$99 for a single filing — a fraction of typical CPA fees ($300–$800)

Limitations

When you should still use a CPA or ERPA

5330Prep is right for straightforward late deposit and ADP/ACP filings. If your situation involves any of the following, consult a qualified ERPA or tax attorney:

Situations that require professional guidance

A DOL investigation or audit · VFCP (Voluntary Fiduciary Correction Program) submission · Multiple overlapping excise taxes · Defined benefit funding deficiencies · Controlled group or affiliated service group issues

5330Prep is a document preparation tool, not tax advice.

Prepare Your Return

Calculate for free. Pay $99 only when you're ready to download the completed PDF.

Prepare Your Return — $99 →