Complete schedules
All required schedules (A, C, D, G, H, I, R, SB/MB, etc.) present and reconciled to the underlying data — or the filing does not release.
The most rigorous Form 5500 filing package a plan sponsor can use.
ERISA Form 5500 Filing Engine assembles a documentation-complete, EFAST2-accepted Form 5500 with every required schedule — plus, for large plans, a complete independent-auditor-ready PBC package — checked against the letter of ERISA and DOL regulations before a credentialed reviewer releases it.
Every schedule required by ERISA §103Five statutory filing elements, gate-checkedDOL · IRS · PBGC · EFAST2 schema validationCredentialed reviewer release on every pack5-business-day SLA
Why filings fail
A single missing schedule can trigger $2,739/day in penalties.
Every U.S. retirement and welfare benefit plan with assets or 100+ participants must file an annual Form 5500 with the DOL/IRS/PBGC through the EFAST2 system. The data underlying it is scattered across custodial statements, payroll exports, recordkeeper reports, insurance carrier invoices, and prior-year filings — assembled by hand inside TPA shops, recordkeepers, and CPA firms.
The failure modes are expensive: the DOL can assess up to $2,739 per day with no cap for a late or rejected 5500, the IRS adds up to $250/day, and the most common rejections are mechanical — a missing signature, an omitted schedule, an EIN/plan-number mismatch, or a Schedule H that doesn't reconcile.
ERISA Form 5500 Filing Engine exists to close that gap with a single, exhaustive standard applied identically to every file.
1 of 5
missing schedules is enough to trigger a rejection
The benchmark
Measured against the letter of ERISA — section by section.
We do not summarize the law and hope. Every filing is scored against a versioned rule pack tied to the exact text of ERISA and DOL regulations. These are the provisions each filing is held to.
Timely filing
The filing deadline (July 31 or Oct 15 with extension) is verified deterministically; the engine schedules the EFAST2 submission to meet the deadline.
Independent auditor requirement
For plans with 100+ participants, a complete PBC package is assembled and delivered to the plan's independent CPA — no gaps, no fire drills.
Service provider compensation
Schedule C indirect and direct compensation is classified and reported per DOL rules, with supporting documentation.
Actuarial certification
For defined benefit plans, Schedule SB/MB is prepared and certified by an enrolled actuary; the engine coordinates the certification.
Participant count & audit trigger
Participant counts are verified against census data; the audit threshold (100 participants) is applied deterministically.
How a filing is built
Intake to credentialed release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A credentialed ERISA reviewer signs every release. That order is never reversed.
01
Gap Scan
Upload custodial statements, payroll/census files, prior filings, and plan documents. We return a free completeness read: which schedules and data elements you already have, and which are missing.
02
Data extraction & reconciliation
As your authorized clerical agent, we extract data from all source documents, reconcile to the penny, and build the filing data set.
03
Grounded drafting
All schedules are drafted from validated data and the ERISA rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
Amounts reconcile to the penny; schedules are checked against the required list; participant counts are verified; SCRA is screened. Any failure blocks release.
05
Credentialed reviewer release
An ERPA, EA, or CPA reviews the exception queue and signs the release. High-value or complex plans route to attorney review first.
06
Delivery & filing
You receive the EFAST2-accepted Form 5500, all schedules, the PBC package (if applicable), and the filing confirmation — ready for the plan sponsor to e-sign and file.
The bar we hold
Rigor you can measure.
100%
Credentialed-reviewed
No filing ships without a human signature.
5 days
Standard SLA
From complete intake to released filing.
<1%
Rejection target
Tracked against EFAST2 acceptance data.
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Data source types
Custodial, payroll, prior filing, plan document — every applicable file.
Why ERISA Form 5500 Filing Engine
Built to be the most thorough option a plan sponsor has.
Documentation-complete, by design
The deliverable is completeness itself — every schedule and data element accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a regulatory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never give legal advice, and the plan sponsor remains the named filer.
Engagement
Flat fee, per accepted filing. No contingency, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any recovery.
- A free Gap Scan before you commit — see exactly what is missing.
- One flat fee per accepted filing; disclosed pass-through search fees.
- Optional fixed-fee attorney review for complex or high-value plans.
- Optional Audit-Ready Package add-on for large plans requiring an independent CPA audit.
FAQ
Questions, answered precisely.
Is ERISA Form 5500 Filing Engine a law firm?
No. ERISA Form 5500 Filing Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for complex or high-value plans.
Do you file the Form 5500 on behalf of the plan sponsor?
No. The plan sponsor remains the named filer and e-signs the return. We prepare the filing and deliver it ready for EFAST2 submission; the sponsor or their authorized representative submits it.
What makes a filing 'complete'?
Completeness is defined by ERISA and DOL regulations: all required schedules present, data reconciled to source documents, participant counts verified, and EFAST2 schema validation passed. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a credentialed-reviewed filing. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per accepted filing, plus disclosed pass-through search costs. No contingency and no percentage of any recovered amount or sale proceeds.
See what's missing before it costs you a penalty.
Start with a free Gap Scan. Send your custodial statements, payroll/census files, prior filings, and plan documents and we'll return a completeness read against every schedule required by ERISA.
Documentation-completeness service · not legal advice · the plan sponsor files every return.