{"id":3435,"date":"2025-06-06T11:10:26","date_gmt":"2025-06-06T16:10:26","guid":{"rendered":"https:\/\/www.mgocpa.com\/?post_type=perspective&#038;p=3435"},"modified":"2025-09-22T18:09:27","modified_gmt":"2025-09-22T22:09:27","slug":"erisa-fidelity-bonds-dispelling-common-misunderstandings","status":"publish","type":"perspective","link":"https:\/\/www.mgocpa.com\/perspective\/erisa-fidelity-bonds-dispelling-common-misunderstandings\/","title":{"rendered":"ERISA Fidelity Bonds: Dispelling Five Common Misunderstandings\u00a0"},"content":{"rendered":"\n<p><strong>Key Takeaways:\u00a0\u00a0<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fidelity bonds are not interchangeable with fiduciary or D&amp;O insurance. Each policy type serves a distinct risk category and compliance role.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Coverage is required regardless of plan size or audit exemption. Even small plans or those not subject to audit may be noncompliant without proper bonding.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cybersecurity coverage is not automatically included. ERISA bonds must be reviewed to confirm whether cyber-related risks are addressed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>&#8212;<\/p>\n\n\n\n<p>Fidelity bonds are known as the fundamental component of safeguarding your employee retirement plans. Required by the Employee Retirement Income Security Act (ERISA), these bonds protect plan assets from any losses due to misappropriation or misuse by the individuals who handle plan funds. Yet, despite the importance of this safeguard, there still exists widespread confusion among plan sponsors and their administrators.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Read on for further clarification on the key compliance requirements \u2014 by correcting five frequently encountered myths about these ERISA fidelity bonds, you can better align with the regulatory expectations and reinforce internal controls.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Understanding ERISA Fidelity Bond Requirements&nbsp;<\/h2>\n\n\n\n<p><strong>Mandatory Coverage<\/strong>&nbsp;<br>ERISA generally mandates that most retirement plans maintain fidelity bond coverage equal to at least 10% of plan assets, with minimum and maximum thresholds. Exceptions apply to certain unfunded, governmental, or church plans. Form 5500, filed annually under penalty of perjury, asks directly about this coverage \u2014 so accurate compliance is essential.&nbsp;<\/p>\n\n\n\n<p><strong>Bond Sourcing and Structure<\/strong>&nbsp;<br>The bond must be obtained from an insurer listed on the Department of the Treasury\u2019s approved surety list. It can be issued as a standalone bond or included within a broader insurance policy, but it has to meet ERISA\u2019s first-dollar coverage rule, which prohibits deductibles.&nbsp;<\/p>\n\n\n\n<p><strong>Covered Individuals<\/strong>&nbsp;<br>Anyone with access to plan funds \u2014 including fiduciaries and relevant third-party administrators \u2014 must be included in the bond\u2019s scope. The coverage has to apply to all plan assets, regardless of asset type or custody arrangements.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><picture><source srcset=\"https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/05\/image.webp \"  type=\"image\/webp\"><img src=\"https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/05\/image.png\" height=\"1\" width=\"1\" class=\"wp-image-3436 sp-no-webp\" alt=\"\" loading=\"lazy\" decoding=\"async\"  > <\/picture><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Five Myths That Can Risk Your Compliance&nbsp;<\/h2>\n\n\n\n<p><strong>1. \u201cOur fiduciary insurance covers the ERISA bond requirement.\u201d<\/strong>&nbsp;<br>You\u2019ve probably heard this common misunderstanding. That\u2019s because fiduciary liability insurance covers breaches of fiduciary duty, while fidelity bonds cover acts such as theft or embezzlement by those handling funds. Both are important, but not interchangeable.&nbsp;<\/p>\n\n\n\n<p><strong>2. \u201cRetroactive fidelity bond coverage can fix past gaps.\u201d<\/strong>&nbsp;<br>Insurers generally can\u2019t issue retroactive bonds due to legal constraints. Sponsors discovered without coverage during a plan audit must work with the Department of Labor (DOL) to document their remediation efforts and make sure they\u2019re compliant.&nbsp;<\/p>\n\n\n\n<p><strong>3. \u201cWe\u2019re exempt because our plan doesn\u2019t require an audit.\u201d<\/strong>&nbsp;<br>The thing is, audit exemptions don\u2019t apply to fidelity bonds. ERISA requires fidelity coverage regardless of the number of plan participants or the size of the plan assets.&nbsp;<\/p>\n\n\n\n<p><strong>4. \u201cOur D&amp;O insurance includes fidelity coverage.\u201d<\/strong>&nbsp;<br>D&amp;O insurance may reference fidelity coverage, but this doesn\u2019t guarantee your compliance with ERISA bonding requirements. For example, many policies include deductibles, which disqualify them under ERISA. You should review each policy carefully.&nbsp;<\/p>\n\n\n\n<p><strong>5. \u201cThe bond protects against cyber theft by default.\u201d<\/strong>&nbsp;<br>Some fidelity bonds include provisions related to <a href=\"https:\/\/www.mgocpa.com\/solution-industry\/cybersecurity\/\" target=\"_blank\" rel=\"noreferrer noopener\">cybersecurity.<\/a>..but not all do. The DOL encourages plan sponsors to be proactive and assess and supplement your cyber protections. Combination policies can be explored but must still meet ERISA requirements.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><picture><source srcset=\"https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/06\/infographic_MKT000851_Title-ERISA-Fidelity-Bonds-Dispelling-Five-Myths-1024x788.webp 1024w,https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/06\/infographic_MKT000851_Title-ERISA-Fidelity-Bonds-Dispelling-Five-Myths-311x239.webp 311w,https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/06\/infographic_MKT000851_Title-ERISA-Fidelity-Bonds-Dispelling-Five-Myths-768x591.webp 768w,https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/06\/infographic_MKT000851_Title-ERISA-Fidelity-Bonds-Dispelling-Five-Myths.webp 1170w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" type=\"image\/webp\"><img src=\"https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/06\/infographic_MKT000851_Title-ERISA-Fidelity-Bonds-Dispelling-Five-Myths-1024x788.jpg\" height=\"788\" width=\"1024\" srcset=\"https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/06\/infographic_MKT000851_Title-ERISA-Fidelity-Bonds-Dispelling-Five-Myths-1024x788.jpg 1024w, https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/06\/infographic_MKT000851_Title-ERISA-Fidelity-Bonds-Dispelling-Five-Myths-311x239.jpg 311w, https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/06\/infographic_MKT000851_Title-ERISA-Fidelity-Bonds-Dispelling-Five-Myths-768x591.jpg 768w, https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/06\/infographic_MKT000851_Title-ERISA-Fidelity-Bonds-Dispelling-Five-Myths.jpg 1170w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" class=\"wp-image-3562 sp-no-webp\" alt=\"\" loading=\"lazy\" decoding=\"async\"  > <\/picture><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><picture><source srcset=\"https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/05\/image.webp \"  type=\"image\/webp\"><img src=\"https:\/\/www.mgocpa.com\/wp-content\/uploads\/2025\/05\/image.png\" height=\"1\" width=\"1\" class=\"wp-image-3437 sp-no-webp\" alt=\"\" loading=\"lazy\" decoding=\"async\"  > <\/picture><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Supporting Plan Integrity Through Review&nbsp;<\/h2>\n\n\n\n<p>Protecting retirement plan assets is both a regulatory obligation and a fiduciary priority. MGO\u2019s <a href=\"https:\/\/www.mgocpa.com\/solution-industry\/employee-benefit-plan-audits\/\" target=\"_blank\" rel=\"noreferrer noopener\">Employee Benefit Plan Audit<\/a> professionals can assist with evaluating your current fidelity bond coverage, identifying potential gaps, and supporting alignment with DOL and ERISA guidelines. Our team brings a detail-oriented, audit-first perspective to strengthen the security and compliance posture of your plan. <a href=\"https:\/\/www.mgocpa.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contact us<\/a> to learn more.&nbsp;&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key Takeaways:\u00a0\u00a0 &#8212; Fidelity bonds are known as the fundamental component of safeguarding your employee retirement plans. Required by the Employee Retirement Income Security Act (ERISA), these bonds protect plan assets from any losses due to misappropriation or misuse by the individuals who handle plan funds. Yet, despite the importance of this safeguard, there still [&hellip;]<\/p>\n","protected":false},"featured_media":3561,"template":"","meta":{"_acf_changed":true,"content-type":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"perspective_topic":[256,61,69,311,22,310],"perspective-type":[42],"class_list":["post-3435","perspective","type-perspective","status-publish","has-post-thumbnail","hentry","perspective_topic-401k","perspective_topic-audit","perspective_topic-compliance","perspective_topic-financial-services","perspective_topic-manufacturing","perspective_topic-professional-services","perspective-type-articles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>ERISA Fidelity Bonds: Dispelling Five Common Misunderstandings\u00a0 - MGO CPA | Tax, Audit, and Consulting Services<\/title>\n<meta name=\"description\" content=\"Learn five common misconceptions about ERISA fidelity bonds to help retirement plan sponsors increase compliance and fiduciary oversight.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mgocpa.com\/perspective\/erisa-fidelity-bonds-dispelling-common-misunderstandings\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ERISA Fidelity Bonds: Dispelling Five Common Misunderstandings\u00a0 - 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