Commerce Bancshares, Inc. 401(k) Plan: Login, Facts & Contact Information
Commerce Bancshares, Inc. 401(k) Login
988 former Commerce Bancshares, Inc. employees still have money in this plan.
Retirement plan providers can change. This information is from the plan's 2024 filing.
Commerce Bancshares, Inc. 401(k) Plan Facts
Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Sep 24, 2025. Public filing with the U.S. Department of Labor.
Money in and out in plan year 2024
- $61.7 million went into the plan in contributions, $20.2 million of it from the employer (33%).
- $107.2 million was paid out to participants.
- Investment and other income added $162.8 million.
How the Commerce Bancshares, Inc. 401(k) changed, 2019–2024
| Plan year | Participants | Plan assets | Employer contributions | Benefits paid |
|---|---|---|---|---|
| 2019 | 5,708 | $845.4 million | $15.8 million | $60.9 million |
| 2020 | 5,789 | $937.7 million | $16.7 million | $63.4 million |
| 2021 | 5,550 | $1.06 billion | $17.2 million | $65.2 million |
| 2022 | 5,539 | $883.3 million | $18.6 million | $91.0 million |
| 2023 | 5,654 | $981.5 million | $19.2 million | $64.3 million |
| 2024 | 5,743 | $1.10 billion | $20.2 million | $107.2 million |
Commerce Bancshares, Inc. 401(k) Contact Information
Questions about the Commerce Bancshares, Inc. 401(k)
Does Commerce Bancshares, Inc contribute to the 401(k)?
Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $20.2 million, 33% of all contributions.
Does the Commerce Bancshares, Inc 401(k) have automatic enrollment?
No. The plan does not report automatic enrollment; employees enroll themselves.
How many people are in the Commerce Bancshares, Inc 401(k) plan?
5,743 participants at the start of plan year 2024, 4,874 of them active employees, and 988 former employees who still had money in the plan.
What is the average 401(k) balance at Commerce Bancshares, Inc?
About $221,921 per account: $1.10 billion in plan assets across 4,952 accounts with a balance at the end of plan year 2024.
Who manages the Commerce Bancshares, Inc 401(k) accounts?
Fidelity NetBenefits (listed on the filing as FIDELITY INVESTMENTS INSTITUTIONAL) is the plan's recordkeeper, which is where participants log in to see their balance.
I no longer work at Commerce Bancshares, Inc. How do I access my 401(k)?
Your account stays with Fidelity NetBenefits after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.