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IRS Form 5498-ESA (Tax Year 2026)

Coverdell ESA Contribution Information

  • No TCC. No ID.me.
    No IRS Setup Required
  • Secure. Compliant.
    IRS A2A-Approved
  • Fast, Accurate,
    and Hassle-Free

IRS Form 5498-ESA is used by trustees and issuers to report contributions, rollovers, and account information for Coverdell Education Savings Accounts. The form reports ESA contribution information to the IRS and to the beneficiary or responsible individual.

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IRIS Filing Pricing

Starting at
$249
per filing + $0.28 per recipient
Included
  • Each filing covers one form type
  • Unlimited payers (EINs) in one filing
  • Combined Federal/State filing, where applicable
Add-ons
Printing and mailing We print and mail recipient copies for you.
Additional fee
TIN matching Check names and TINs against IRS records before you file.
Additional fee
Client sub-accounts File each client on its own. Add them anytime, billed later with recipient fees.
$20 each
Corrections and prior years Fix a return that's already filed, or catch up on past years through IRIS.
Ask for pricing

Secure IRIS A2A Filing

  • Filed directly through our IRS A2A-approved channel
  • No TCC, ID.me, or IRS setup needed on your end
  • Data checked as you upload it, then you approve PDF copies before we file
  • SOC 2 compliant portal for secure file handling

Want pricing for your filing?

Filing high volumes or several form types? Tell us roughly how many forms you file and we'll send a custom quote.

Get a custom quote

Prefer to talk? Call (480) 706-6474

25+ Years Experience IRS A2A Approved U.S.-Based Support
Get ready to file with IRIS Free guides and templates from our resource center.
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How IRIS Works

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Upload Your File

Upload your Excel or CSV file securely.

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Checked on Upload

Our portal checks your data as you upload it and cleans up invalid characters. Fix any errors on screen or in a marked-up Excel file.

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Review & Approve

We generate IRS-ready PDFs for your approval.

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Filed Directly to IRS

Your forms are e-filed securely using IRIS.

No manual processing. Fully automated IRIS submission.

Frequently Asked Questions (FAQs)

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No. With 1099FIRE’s Form 5498-ESA filing service, you do not need your own TCC, ID.me account, or IRS IRIS registration. You send us your filing data, and we help prepare, validate, and electronically file your Form 5498-ESA returns through the IRS filing process.

Yes. We can help prepare and electronically file original Form 5498-ESA returns as well as corrected returns. Corrections may be needed if a beneficiary name, TIN, address, account number, contribution amount, rollover amount, or other filing detail was reported incorrectly.

Yes. We generate Form 5498-ESA Copy B beneficiary statements for you to review and approve before distribution. This allows you to check beneficiary names, addresses, TINs, account numbers, contribution amounts, rollover amounts, and other details before anything is finalized.

After approval, we can also print and mail Copy B on your behalf. We can handle any volume, from small batches to large Coverdell ESA files.

Form 5498-ESA is generally due to beneficiaries by April 30 following the calendar year being reported. IRS filing is generally due by May 31. If a due date falls on a weekend or legal holiday, the deadline generally moves to the next business day.

1099FIRE provides a Form 5498-ESA filing service, not downloadable software. You send us your Coverdell ESA contribution data, and we help prepare, validate, generate beneficiary copies, and electronically file the returns.

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