Commerce Bancshares 401(k) and pension plans

Commerce Bancshares, Inc., ST. Louis, MO. EIN 43-0889454. Annual reports 2009–2024. Also filed as Commerce Bancshares, Inc; Commerce Bancshares.

Commerce Bancshares, Inc. has 2 active retirement plans on file. The largest is the Commerce Bancshares, Inc. Participating Investment Plan, with 5,930 participants and $1.1 billion in assets in 2024. Fidelity has been its recordkeeper since 2009.

Active plans: 2
Participants: 7,750
Plan assets: $1.2 billion
401(k) recordkeeper: Fidelity
Plans on file: 2
Industry: Finance and insurance

All 2 plans

Active plans first

Commerce Bancshares, Inc. Participating Investment Plan

401(k)Active

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 002Employer EIN 43-0889454
Participants (2024): 5,930
Net assets (2024): $1.1 billion
Recordkeeper: Fidelity2009–2024
Plan administrator: Commerce Bancshares, Inc.
8000 Forsyth, Suite 910
ST. Louis, MO 63105
(314) 746-7434As filed for 2024
In effect since: December 1, 1970

Earlier plan names: Commerce Bancshares, Inc Participating Investment Plan.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	5,930	$1.1 billion	Fidelity
2023	5,743	$982 million	Fidelity
2022	5,654	$883 million	Fidelity
2021	5,539	$1.1 billion	Fidelity
2020	5,550	$938 million	Fidelity
2019	5,789	$845 million	Fidelity
2018	5,708	$698 million	Fidelity
2017	5,586	$725 million	Fidelity
2016	5,449	$642 million	Fidelity
2015	5,402	$550 million	Fidelity
2014	5,421	$552 million	Fidelity
2013	5,778	$529 million	Fidelity
2012	5,733	$423 million	Fidelity
2011	5,706	$385 million	Fidelity
2010	5,721	$382 million	Fidelity
2009	5,881	$336 million	Fidelity

Commerce Bancshares, Inc Restated Retirement Plan

Pension (defined benefit)Active

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 001Employer EIN 43-0889454
Participants (2024): 1,820
Net assets (2024): $87.0 million
Plan administrator: Commerce Bancshares, Inc.
8000 Forsyth BLVD Ste 910
Saint Louis, MO 63105
(314) 746-7434As filed for 2024
In effect since: January 26, 1956

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	1,820	$87.0 million	not listed
2023	1,880	$91.3 million	not listed
2022	1,954	$89.4 million	not listed
2021	2,024	$110 million	not listed
2020	2,079	$111 million	not listed
2019	2,163	$108 million	not listed
2018	2,252	$101 million	not listed
2017	2,350	$109 million	not listed
2016	2,451	$100 million	not listed
2015	2,536	$99.4 million	not listed
2014	2,663	$105 million	not listed
2013	2,923	$108 million	not listed
2012	3,133	$103 million	not listed
2011	3,216	$98.2 million	not listed
2010	3,355	$99.2 million	not listed
2009	3,533	$94.2 million	not listed

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the Commerce Bancshares, Inc. Participating Investment Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((314) 746-7434). That number was filed for 2024; ask for the benefits or retirement plan office.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.

All 2 plans

Commerce Bancshares, Inc. Participating Investment Plan

Commerce Bancshares, Inc Restated Retirement Plan

If you had money in one of these plans

What these numbers are

Other finance and insurance employers in MO