---
title: "How Much ERISA Bond Coverage Do I Need?"
description: "ERISA bond coverage is generally at least 10% of funds handled in the prior plan year, with statutory minimums and maximums."
canonical: "https://spot.insure/insurance-faq/fiduciary-liability/how-much-erisa-bond-coverage-do-i-need"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# How Much ERISA Bond Coverage Do I Need?

ERISA bond coverage is generally at least 10% of funds handled in the prior plan year, with statutory minimums and maximums.

DOL’s formula also has special rules, including a higher cap for plans holding employer securities. Verify the current calculation for each handler.

Use the bulletin’s Q35–38 and underlying regulations to calculate the amount for each plan and person; do not use total plan assets automatically as each person’s handled amount. Verify how the bond aggregates limits across plans and whether it names or otherwise identifies every plan. Have a benefits professional or the surety confirm the calculation, exemptions, and adequate limit for the present plan year.

## Related Questions

- [Is an ERISA Bond Required?](https://spot.insure/insurance-faq/fiduciary-liability/is-an-erisa-bond-required)
- [ERISA Bond vs. Fidelity Bond: What Is the Difference?](https://spot.insure/insurance-faq/fiduciary-liability/erisa-bond-vs-fidelity-bond)
- [Fiduciary Liability vs. ERISA Bond: What Is the Difference?](https://spot.insure/insurance-faq/fiduciary-liability/fiduciary-liability-vs-erisa-bond)

## Related Coverage

- [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds)

## Sources

1. [Understanding Your Fiduciary Responsibilities Under a Group Health Plan](https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/understanding-your-fiduciary-responsibilities-under-a-group-health-plan). U.S. Department of Labor, Employee Benefits Security Administration; Who Is a Fiduciary?; What Is the Significance of Being a Fiduciary?; Bonding. Accessed 2026-09-25.
2. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-25.
3. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q5–10 pp.3–5; Q35–38 pp.18–20. Accessed 2026-09-25.

More answers: [Fiduciary Liability and ERISA Bonds FAQ](https://spot.insure/insurance-faq/fiduciary-liability).

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