ERISA Fidelity Bond
Guaranteed ERISA compliance. Licensed nationwide. A-rated surety partners.
Start Your ApplicationAn ERISA fidelity bond—also called an employee benefit plan bond or ERISA bond—is a federal requirement under the Employee Retirement Income Security Act (ERISA).
This bond protects employee benefit plans such as 401(k), pension, and profit-sharing plans from losses caused by fraud, theft, or dishonesty committed by individuals who handle plan funds.
Securing this bond ensures your plan remains compliant and financially protected.
Looking for fiduciary or court bond guidance? Visit our Court & Fiduciary Bond Hub for probate, guardian, trustee, appeal, and court-ordered bond resources.
What Is an ERISA Fidelity Bond?
An ERISA fidelity bond (also called an employee benefit plan bond or ERISA bond) is a federal requirement under the Employee Retirement Income Security Act (ERISA). This bond protects employee benefit plans—such as 401(k), pension, and profit-sharing plans—from losses caused by fraud, theft, or dishonesty committed by individuals who handle plan funds.
An ERISA fidelity bond protects plan participants from:
If your business manages or has access to employee benefit plan funds, federal law requires this bond.
ERISA Fidelity Bond Amounts and Cost
ERISA bond amounts are set by federal regulation and typically equal 10% of plan assets, with a minimum of $1,000 and a maximum of $500,000 (or $1,000,000 for plans holding employer securities).
Your premium depends on:
Most ERISA fidelity bonds are inexpensive and qualify instantly with low annual rates.
Who Needs an ERISA Fidelity Bond
You may need an ERISA fidelity bond if you are responsible for handling or accessing:
Any fiduciary or employee who manages, controls, or disburses plan funds must be covered.
ERISA Fidelity Bond Requirements & Eligibility
Federal ERISA regulations require:
The ERISA fidelity bond must be issued by a Treasury-listed surety company.
How the ERISA Fidelity Bond Process Works
Complete the Application
Submit the quick, 60-second application.
Secure the Lowest Rate
We match you with the best rate available from A-rated sureties.
Receive Your Bond
Same-day issuance available for immediate ERISA compliance.
Why Businesses Choose Us for ERISA Fidelity Bonds
Top ERISA Fidelity Bond Questions Answered
Our most common questions answered efficiently.
How much does an ERISA fidelity bond cost?
Bond amounts typically equal 10% of plan assets, with a minimum of $1,000 and maximum of $500,000 (or $1,000,000 for employer securities). Most bonds are inexpensive with low annual rates.
How long does approval take?
Approvals are fast, with same-day issuance available for immediate ERISA compliance.
What does an ERISA fidelity bond guarantee?
The bond guarantees protection against theft, fraud, embezzlement, or dishonest acts by anyone who handles employee benefit plan funds.
Can the bond be refunded?
Refund policies vary by surety. Contact us for specifics on your ERISA fidelity bond.
Is an ERISA fidelity bond the same as fiduciary liability insurance?
No — an ERISA fidelity bond covers theft and dishonesty by plan handlers, while fiduciary liability insurance covers breaches of fiduciary duty. They serve different purposes and are not interchangeable.
Customer Testimonials
What our customers are saying about us.
Inspire Surety made securing our ERISA fidelity bond incredibly easy. Fast approval and great service.
Laura M.HR Benefits ManagerOur company needed multiple ERISA bonds for different plans. Inspire Surety handled everything flawlessly.
Greg T.CFOAs a small business, we appreciated how simple the process was. Excellent communication throughout.
Nina S.Office AdministratorWe expanded our retirement plan offerings, and Inspire Surety issued our new ERISA bond the same day.
Robert H.Plan AdministratorClear guidance and fast turnaround. Inspire Surety ensured we met all ERISA bond requirements.
Stephanie P.Compliance DirectorOur audit required immediate proof of bonding. Inspire Surety delivered instantly and saved us from delays.
Carl J.HR Benefits DirectorReady to Get Your ERISA Fidelity Bond?
Fast approvals, lowest rates, guaranteed ERISA compliance.
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