New Hampshire ERISA Bond (3 Years)
- State: New Hampshire
- Bond type: Employee Dishonesty & Fidelity Bond
- Term: 3 Years
- Category: Business Operations Bonds
Buy New Hampshire ERISA Bond (3 Years) online →
Overview
Running a qualified retirement plan comes with a federal obligation most plan administrators don't expect: a fidelity bond specifically covering plan assets. Under ERISA, every person who handles funds or other property of an employee benefit plan must be bonded. This New Hampshire ERISA Bond covers a three-year term and includes an Inflation Guard provision, so your coverage grows with plan assets over time — keeping you in compliance without the hassle of annual renewals.
Who Needs This Bond?
You're the plan fiduciary, plan administrator, or trustee for a 401(k), pension, profit-sharing, or other ERISA-covered employee benefit plan based in New Hampshire. Federal law requires that anyone who has discretionary control over plan funds or who physically handles plan property must carry this bond. That includes business owners, HR directors, and third-party plan administrators who sign checks, transfer assets, or approve distributions. If you touch plan money, you need this bond.
What is this Bond For?
This bond protects the benefit plan — and by extension, its participants — against losses caused by fraud or dishonesty committed by a plan official. If a covered fiduciary steals, embezzles, or misappropriates plan assets, the bond responds to make the plan whole. It is a federally mandated fidelity bond under the Employee Retirement Income Security Act, not a voluntary risk-management product. The three-year term with Inflation Guard ensures the bond limit keeps pace with rising plan asset values throughout the coverage period.
When is it Required?
This bond must be in place before you handle a single plan transaction — not after your next audit, not when the DOL asks for it. ERISA compliance is ongoing, and operating without the required fidelity bond exposes the plan and its fiduciaries to federal enforcement action. The three-year term structure means your obligation to maintain continuous coverage spans the full period, and the Inflation Guard automatically adjusts to reflect asset growth so you don't fall out of compliance mid-term.
Where Does it Apply?
This bond is issued for ERISA-covered employee benefit plans administered in New Hampshire. Because ERISA is federal law, the bonding requirement applies regardless of plan size or industry. The bond travels with the plan's administrative activity statewide — there is no city- or county-specific filing requirement.
How to Buy Online
Click 'Buy This Bond Online' to open the My Bond App portal in a new tab and complete your application. The process is straightforward: provide basic plan and fiduciary information, select your required bond amount, and submit. Once approved, your bond documents are available digitally — no waiting on callbacks or mailing paper forms.
Why Bond Titan?
Bond Titan is a nationwide surety bond storefront powered by The Southern Agency, built for fiduciaries who need to get bonded quickly and correctly. You can buy this three-year New Hampshire ERISA Bond online right now without speaking to an agent. Our catalog covers fidelity and surety bonds across all fifty states, so whether you manage one plan or several, you're in the right place.
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Frequently Asked Questions
Is this ERISA fidelity bond the same thing as a fiduciary liability insurance policy?
No — and the difference matters. This ERISA bond is a federally mandated fidelity instrument that protects the plan itself against losses caused by dishonest acts of plan officials. Fiduciary liability insurance, by contrast, protects the fiduciary personally against claims alleging a breach of fiduciary duty — things like poor investment decisions or administrative errors. The DOL does not accept fiduciary liability insurance as a substitute for the ERISA fidelity bond. You may need both, but this bond satisfies the federal statutory requirement.
What happens if theft is discovered after the three-year term ends but the act occurred while the bond was active?
ERISA fidelity bonds are typically written on a discovery basis, meaning coverage applies when a loss is discovered — not necessarily when the dishonest act occurred. If the act happened during the bond term but is discovered after it ends, whether you have a claim depends on the specific discovery-period language in your bond. This is one reason continuous, uninterrupted bonding is critical: gaps in coverage can leave a plan exposed for acts that surface later. Review your bond documents carefully and maintain coverage without lapses.
How do I know what bond limit to purchase for my New Hampshire plan?
Under ERISA, the bond must cover at least 10% of the plan assets handled by the covered official at the beginning of each plan year, subject to a statutory minimum and maximum. If a client contract or vendor agreement specifies a bond amount that exceeds the federal minimum, you must meet that higher requirement. The Inflation Guard feature on this three-year bond adjusts the coverage limit as plan assets grow, helping you stay compliant without purchasing a new bond each year. Always verify the required amount against your plan's most recent asset valuation and any applicable contractual obligations.
What happens after I click Buy This Bond Online?
You'll open the My Bond App portal in a new tab where you can complete the secure online bond application and finish your purchase. Your Bond Titan tab stays open so you can come back and keep browsing.
Can I buy this bond entirely online?
Yes. Bond Titan connects you directly to the online bond application — there's no paperwork to mail in and no agent appointment required to get started.
Is Bond Titan a licensed agency?
Bond Titan is powered by The Southern Agency, a licensed surety bond agency. We've built Bond Titan so you can find the exact bond you were told to buy and get to the purchase flow in seconds.