How this site works
Every figure and every claim on this site traces back to a source below: a public DOL dataset, a named person you can message, or a statute or regulation citation.
Who built this
Planremit was built and is maintained by Dylan Merigaud. His LinkedIn profile is the way to reach him about anything on this site: a result that looks wrong, a filing that has gone stale, a paragraph that reads unclear. There is no company behind this site. It is one person's research, published under his own name.
Where the data comes from
EFAST2 (ERISA Filing Acceptance System 2), the DOL/EBSA system every Form 5500 and its schedules are filed through. The bulk data files this site's checker reads are published without a key or login.
https://www.efast.dol.gov is the system's own home. The checker itself reads the Form 5500 identification file (sponsor name, plan name, address, participant count) and Schedule H (large-plan financials, where line 4a is the late-deposit flag), for plan years 2022, 2023, 2024, joined on employer identification number and plan number. No key, no login, no account is required to download either file.
https://askebsa.dol.gov/FOIA Files/<year>/Latest/F_5500_<year>_Latest.ziphttps://askebsa.dol.gov/FOIA Files/<year>/Latest/F_SCH_H_<year>_Latest.zip
The copy this site currently reads from is dated 2026-08-24. A plan that amended a filing after that date will show here as it stood on that date, not as it stands today.
The exact filter
A plan appears in this site's 6,769-plan chronic cohort when two things are true, checked separately for each of 2022, 2023, 2024: it reported 100 or more participants that year, and Schedule H, line 4a ("did the plan fail to transmit participant contributions... within the time period described in 29 CFR 2510.3-102") reads "Y" that year. Both conditions have to hold in ALL THREE years, on the same employer identification number and plan number, for a plan to count as chronic.
The 100-participant floor is not arbitrary: it is the line the DOL itself draws for its own 7-business-day safe harbor on contribution timing. A plan at or above that size never had that safe harbor available to it in the first place, so a "Y" on its line 4a is not a rounding error against a lenient standard, it is a miss against the ordinary one.
The dataset's known limits
This dataset is a MINORANT: an undercount, not a complete list of every plan with a late-deposit problem. Line 4a is a self-report, and a filer can leave it blank instead of answering it. In the 2022 Schedule H filings alone, 9,630 filings left line 4a blank rather than marking "Y" or "N". None of those blank years are counted as a "Y" here, which is the conservative choice, but it also means an unknown number of genuinely chronic plans are invisible to this method simply because they did not answer the question in one of the three years.
A small share of source rows could not be parsed at all (missing identifiers, or a non-numeric value where a count was expected) and were excluded from every stage of this pipeline rather than silently guessed at: about 3.5 percent of the 2022 Form 5500 identification rows fell into that category. A plan whose filing had a parsing problem in any of the three years is absent from this cohort, whatever its actual line 4a history looked like.
Reading this the right way: appearing on this list is strong evidence of a real, repeated, self-reported problem. NOT appearing on this list is weak evidence of a clean record, for the reasons above. See the homepage FAQ for the practical version of this same point.
How the content pages were written
The regulatory content on this site, this page included, is drafted with AI assistance and then checked by hand against the underlying statute, regulation, or government source it cites. Every citation on this site names the specific regulation, statute, or form it comes from. If a quote and its citation ever disagree with the primary source, the primary source is the one to trust.
What this is not
This site is independent research, not legal or tax advice, and using it creates no attorney-client or advisor-client relationship of any kind. It reads a plan's own public Form 5500 and Schedule H filings and reports what they say; it does not review a plan's actual compliance program, does not account for facts outside those public filings, and never calculates or displays a dollar exposure for a specific plan. Decisions about a plan's obligations should be made with qualified counsel or a tax professional, not from this site alone.