In reply to ashtond6:
If you want a precise answer the situation still isn't clear enough - is the "5m above the belayer" your feet, harness or head height?
It also depends on your height which I have assumed below to be around 2m, with the harness tied mid way and the gear immediately beneath foot level.
If it's your feet, then there's probably 6m of rope out (5m to your feet plus another 1m to your waist), with 1m of rope above the gear. The unsupported fall is 2m on 6m of rope, or a fall factor of 0.33.
The remainder of the fall ONLY occurs because of the dynamic nature of the system (combinations of rope stretch and belayer movement, reduced by friction). These dynamic effects are specifically EXCLUDED when calculating a fall factor - only the fall BEFORE the rope begins to stretch counts - that's why a fall factor of 2 is the maximum possible, otherwise a classic factor 2 fall from 1m above the belay to 1m below PLUS the stretch would give a higher factor than 2.
The fall factor increases to 0.4 if your 5m is measured at the harness (2m fall, 5m rope out) or to 0.5 if the 5m is measured at your head (2m fall, 4m rope out).
For a factor 2 fall the gear would have to have failed so you fell the whole way back to the belay level and the same distance again beneath before the rope started to catch.