Bonini, Borello and Byrne started the study of saturating linear sets in Desarguesian projective spaces, in connection with the covering problem in the rank metric. In this paper we study \emph{$1$-saturating} linear sets in PG$(2,q^4)$, that is $\mathbb{F}_q$-linear sets in PG$(2,q^4)$ with the property that their secant lines cover the entire plane. By making use of a characterization of generalized Gabidulin codes, we prove that the rank of such a linear set is at least $5$. This answers to a recent question posed by Bartoli, Borello and Marino.