You can check with a manometer. Most systems are set at .5" external static. That means total static. With a manometer, take a 6" long or so 1/4" metal tube and put it in the supply and return plenum just outside the actual furnace, perpendicular to the air flow. Note the static in each. Don't worry about +/- numbers, just add the total of each. For example, if you have a .2 static on the supply side and .2 or .3 on the return the total of .5 says you have good balanced air flow. The comments about undersized return or "over filtered" units is spot on. On problem systems I would see a higher number usually on the return of say a .8 or so, showing major RA restriction. I'd go back on the return side and check on the return drop, say .7. Then I'd go up to the ceiling to the return main and see .2 or .3. The drop is undersized and possibly the return plenum.
The problem with putting in a new high merv filter is that it may operate fine when new and clean. As it get dirty, and it may not take much, then the system and owner starts to pay the price. How much do you want to babysit your hvac system? It gets overlooked...for a while.
The 5" pleats are offered by many companies today. I think Trion's Air Bear was the first of them. You can search around for them. Even if you have to change the filter rack, it may be your best bet.
Before the MERV ratings came out there was no better example of the old saw about, "figures don't lie, but liars figure". The industry threw around terms like efficiency and effectiveness and it was just a bunch of BS (I was the Purolator rep). Many residential furnaces didn't begin to filter until they were dirty. They had to be loaded up to work. MERV ratings are first day ratings so you know what you are getting.