Open any plan below to see its carriers, broker commissions and premiums.
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Sponsor portfolioWelfare / HealthEIN 43-0889454
COMMERCE BANCSHARES, INC.
8000 FORSYTH BLVD STE 910 · SAINT LOUIS, MO 631051707
3147467434
- Plans filed
- 12
- Years active
- 2015–2024
- Industry
- NAICS 52
- Latest filing
- 2024
Total premiums (latest)
$5.5M
No prior year
Persons covered
5,693
No prior year
Total participants
4,734
No prior year
Plans filed
12
No prior year
Plans under this sponsor
12 plans
Plan #515$5.5M
COMMERCE BANCSHARES, INC HEALTH AND WELFARE WRAP PLAN
Mixed5,693 covered·8 carriers
Primary: RELIASTAR LIFE INSURANCE COMPANY
Plan #504$1.1M
COMMERCE BANCSHARES, INC. GROUP LIFE PLAN
Fully insured5,539 covered·1 carrier
Primary: SECURIAN LIFE INSURANCE COMPANY
Plan #505$959K
COMMERCE BANCSHARES, INC. EMPLOYEE HEALTH BENEFITS PLAN
Self-funded3,786 covered·1 carrier
Primary: RELIASTAR LIFE INSURANCE COMPANY
Plan #514$896K
COMMERCE BANCSHARES, INC. VOLUNTARY BENEFIT PLAN
Fully insured2,225 covered·1 carrier
Primary: METROPOLITAN LIFE INSURANCE COMPANY
Plan #511$636K
COMMERCE BANCSHARES, INC. LONG TERM CARE INSURANCE PLAN
Fully insured504 covered·1 carrier
Primary: UNUM LIFE INSURANCE COMPANY OF AMERICA
Plan #513$560K
COMMERCE BANCSHARES, INC. VOLUNTARY VISION PLAN
Fully insured3,322 covered·1 carrier
Primary: VISION SERVICE PLAN
Plan #507$381K
COMMERCE BANCSHARES, INC. LONG TERM DISABILITY PLAN
Fully insured4,407 covered·1 carrier
Primary: PRUDENTIAL INSURANCE COMPANY OF AMERICA
Plan #512$270K
COMMERCE BANCSHARES, INC. AFLAC VOLUNTARY BENEFIT PLAN
Fully insured488 covered·1 carrier
Primary: AFLAC
Plan #510$52K
COMMERCE BANCSHARES, INC. EMPLOYEE ASSISTANCE PLAN
Fully insured4,531 covered·1 carrier
Primary: CURALINC LLC
Plan #506$0
COMMERCE BANCSHARES, INC. TRAVEL & ACCIDENT INSURANCE PLAN
Fully insured4,579 covered·1 carrier
Primary: HARTFORD FIRE INSURANCE COMPANY
Plan #508$0
COMMERCE BANCSHARES, INC. GROUP DENTAL PLAN
Self-funded0 covered·0 carriers
Plan #509$0
COMMERCE BANCSHARES, INC. FLEXIBLE BENEFIT PLAN
Self-funded0 covered·0 carriers
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Stop-loss | $1.4M | 26.2% | |
| Life | $1.3M | 23.0% | |
| Health | $951K | 17.2% | |
| Other | $844K | 15.3% | |
| Vision | $591K | 10.7% | |
| Long-term disability | $420K | 7.6% |
Carrier overview
8 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 410451140 | SL | $1.4M | 26.2% | 1 | 1 | 3,810 |
EIN 411412669 | L | $1.3M | 23.0% | 1 | 1 | 5,693 |
EIN 135581829 | H | $951K | 17.2% | 1 | 3 | 2,353 |
EIN 010278678 | Oth | $776K | 14.0% | 1 | 1 | 487 |
EIN 363560825 | V | $591K | 10.7% | 1 | 1 | 3,348 |
EIN 221211670 | LTD | $420K | 7.6% | 1 | 1 | 4,508 |
EIN 331206383 | Oth | $52K | 0.9% | 1 | 1 | 4,531 |
EIN 060383750 | Oth | $16K | 0.3% | 1 | 1 | 4,675 |
Broker overview
3 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC | NEW YORK, NY | SECURIAN LIFE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY, PRUDENTIAL INSURANCE COMPANY OF AMERICA, HARTFORD FIRE INSURANCE COMPANY, RELIASTAR LIFE INSURANCE COMPANY | $257K | $140K | $397K | 78.1% | 1 |
| AMERICAN MEDICARE COUNSELORS | ST LOUIS, MO | UNUM LIFE INSURANCE COMPANY OF AMERICA | $110K | $0 | $110K | 21.7% | 1 |
| RINGMASTER INSURANCE AGENCY LLC | BOCA RATON, FL | RELIASTAR LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.2% | 1 |
History & trajectory
10 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan