Oklahoma ERISA fidelity bonds.
$300 for three years. Pick your limit.
The fidelity bond ERISA §412 requires for a 401(k), pension, profit-sharing or health & welfare plan. The plan is the insured: the bond repays it for fraud or dishonesty by the people who handle its money. A plan sponsored in Oklahoma is written on the carrier’s Oklahoma form. The policy limit you pick sets the price, and nothing else does.
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How much does an Oklahoma ERISA fidelity bond cost?
From $300 to $450, one price for each limit the carrier offers; the limit you choose sets it.
Three steps. One sitting.
The application is short and the same for every plan type. Here is the whole thing:
Apply online
Enter the plan’s exact legal name — the carrier asks that it end in words like “Pension Plan” or “401(k) Plan”; a bare “401(K)” gives no coverage — then your policy limit, an effective date and four yes/no questions about the plan.
Issued and e-signed
Payment is the last step of the application, and the bond is generated the moment you pay.
Check the amount
29 CFR §2580.412-19(a) requires the bond to be at least the requisite amount at the start of every reporting year. If the funds handled have grown, raise the limit or add a supplemental bond.
What does each limit cost?
21 limits on the carrier’s application, one price each, read from the form itself on September 28, 2026.
| Policy limit | Price, 3-year term | Works out to |
|---|---|---|
| $10,000 to $150,000 | $300 | $100 a year |
| $175,000 | $301 | $100.33 a year |
| $200,000 | $303 | $101 a year |
| $225,000 | $314 | $104.67 a year |
| $250,000 | $326 | $108.67 a year |
| $275,000 | $338 | $112.67 a year |
| $300,000 | $351 | $117 a year |
| $325,000 | $363 | $121 a year |
| $350,000 | $375 | $125 a year |
| $375,000 | $387 | $129 a year |
| $400,000 | $400 | $133.33 a year |
| $425,000 | $411 | $137 a year |
| $450,000 | $423 | $141 a year |
| $475,000 | $435 | $145 a year |
| $500,000 | $450 | $150 a year |
What it is and who needs it.
What the ERISA fidelity bond covers
This is a fidelity bond, not a liability policy. It protects the employee benefit plan itself, the named insured, against loss from fraud or dishonesty by the people who handle its money: larceny, embezzlement, forgery, misappropriation and the like (29 CFR §2580.412-9).
The ERISA bond guide works out the amount a plan needs and sets out who is exempt, what counts as handling plan funds, the higher maximum for a plan that holds employer securities and the audit-waiver rule, with a link to each source.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The carrier issues this bond for a single three-year term; the term cannot be changed at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
Issued and e-signed. Payment is the last step of the application, and the bond is generated the moment you pay.
What sets the price
One price per limit, from $300 to $450 across the limits the carrier offers: the limit you choose sets the price, nothing else.
No credit check.
One short application.
The next page is the carrier’s own application, with the price for your limit shown before you pay.
Start the application →Common questions.
Other Oklahoma bonds.
Price and requirements checked on the carrier’s application, .
Bond your plan today.
Pick your limit and finish the application in one sitting.