This appeal arises out of Sue Pollock’s 3 claim for disability benefits. The district court entered judgment on the merits against Citibank, N.A. Disability Plan (501) (“the Plan”) and Aetna Life Insurance Company. We remand for further factual findings, retaining jurisdiction over the appeal.

Citibank, N.A., adopted the Plan for the benefit of its employees. Pollock was an account collector for Citibank Credit Services and a participant in the Plan. The Plan is governed by the Employee Retirement Income Security Act of 1974 (ERISA), as amended, 29 U.S.C. §§ 1001, et seq.

The Plan argues that Pollock failed to exhaust her administrative remedies. When exhaustion is clearly required under the terms of an ERISA benefits plan, the plan beneficiary’s failure to exhaust her administrative remedies bars her from asserting any unexhausted claims in federal court. See Layes v. Mead Corp., 132 F.3d 1246, 1250 (8th Cir. 1998). There is no dispute that the Plan requires exhaustion. The dispute in this case is whether Pollock did in fact exhaust her administrative remedies.

The Plan first raised the failure-to-exhaust claim in its summary judgment motion. The district court dismissed this motion as moot when the parties agreed to submit the liability portion of the case on a stipulated record. The Plan raised the exhaustion argument again in its proposed findings of fact and conclusions of law submitted to the district court. Nevertheless, the district court entered no findings of fact or conclusions of law regarding exhaustion and made no mention of the issue in any of its decisions.

Whether a plaintiff has exhausted her administrative remedies is a question of fact that we should not first determine on appeal. Performance Contracting, Inc. v. Seaboard Sur. Co., 163 F.3d 366, 369 n. 3 (6th Cir. 1998). Accordingly, we remand *169 the case to the district court with instructions that it enter findings as to whether Pollock exhausted her administrative remedies. See Cody v. Hillard, 139 F.3d 1197, 1200 (8th Cir. 1998) (remanding for entry of findings of fact and conclusions of law). We ask that the district court certify its findings on the remanded issue to this court for submission to this panel, which retains jurisdiction over the case.