Concordia Plans
Concordia Plan Services is a non-profit benefits administrator serving 6,000 LCMS ministries with health, pension, 403(b) retirement, disability, life, wellness, and HR/payroll benefits for roughly 30,000 active church workers and 41,000 retirees.
- Company typePrivate
- Founded2005
- HeadquartersSaint Louis, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Concordia Plans does
Concordia Plan Services is a non-profit benefits administrator and child agency of The Lutheran Church—Missouri Synod (LCMS), founded in 2005 and headquartered in St. Louis, Missouri. It administers health, retirement, disability, life, and wellness benefits exclusively for LCMS-affiliated ministries, their workers, and their families. The organization serves approximately 6,000 LCMS organizations, covering roughly 30,000 active church workers, 41,000 retirees and beneficiaries, and 53,000 dependents across the United States.
The product portfolio includes group medical, dental, vision, and prescription drug coverage delivered through partnerships with Anthem Blue Cross Blue Shield, Cigna (including UMR as administrator and Dental.com for the Dental SmartScan computer-vision tool), Kaiser Permanente, and Express Scripts; the Concordia Retirement Plan (a church pension) and a 403(b)(9) retirement savings plan administered with Fidelity; group disability and life insurance through Securian, Sedgwick, and Cigna; and a digital wellness ecosystem spanning Vitality, Sword Health (musculoskeletal), Virta Health (diabetes reversal), Omada (cardiometabolic), Wondr Health (weight management), Teladoc (telehealth), the Evernorth Confide EAP, GeoBlue (international), VSP, and TruHearing. Business solutions extend to HR, payroll, and benefits administration through Mineral, Paycor, and Paychex, with HealthEquity administering HSA, FSA, and HRA accounts. A recently added Quantum Health partnership provides healthcare navigation across the medical, pharmacy, and behavioral health journey. Distribution relies on a dedicated Account Management Team, district-level Ministry Engagement Teams covering all LCMS districts, licensed benefit counselors, and a Financial Education team, supported by Member and Employer web portals.
The revenue model is premium- and fee-based: Concordia collects employer ministry contributions and member premiums for medical, dental, life, and disability coverage, charges administrative fees on retirement plan and 403(b) assets, and earns fees on HealthEquity-administered spending accounts and HR/payroll services. Pricing structures include Premium Plus, Premium, and Premium Credit tiering, with retiree coverage and seminary-student (CSS) options layered on the core employer-paid plans. The company is led by CEO Kevin Herweck (succeeding CEO Emeritus Jim Sanft) and an executive team including Rob Bouché (VP/CFO/CAO), Brian Gardner (VP/CIO), and Ann Stillman (VP/General Counsel).
Concordia Plans firmographics
Firmographics- Name
- Concordia Plans
- Legal name
- Concordia Plan Services of The Lutheran Church—Missouri Synod (LCMS)
- Website
- https://concordiaplans.org
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Concordia Plan Services is a non-profit benefits administrator serving 6,000 LCMS ministries with health, pension, 403(b) retirement, disability, life, wellness, and HR/payroll benefits for roughly 30,000 active church workers and 41,000 retirees.
- Ownership category
- akta.pro rank
Concordia Plans industry classification
Industry- Product category
- Employee Benefits Administration (Non-Profit)
- NAICS
- Business, Professional, Labor, Political, and Similar Organizations (8139), Religious Organizations (8131), Religious, Grantmaking, Civic, Professional, and Similar Organizations (813)
- SIC
- Hospital & Medical Service Plans (6324), Services-Social Services (8300), Services-Membership Organizations (8600)
- akta.pro primary industry
- Benefits Administration & Enrollment Support (BPAAAIAB)
- akta.pro secondary industries
- Employer Wellness & Population Health Programs (HLAEAAAH), Worksite Financial Wellness & Employee Assistance Programs (EAP) (FSAIAMAN), Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH)
Keywords
Where Concordia Plans is headquartered
LocationHeadquarters
- HQ city
- Saint Louis
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Concordia Plans business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Health Insurance Premiums: Concordia Plan Services administers comprehensive health plans including medical, dental, vision, and prescription drug coverage. Premiums are paid by LCMS employer ministries for their workers. The organization brings together thousands of ministries enabling collective negotiating for greater benefits at lower costs.
- Retirement Plan Administration: Administering pension plans (Concordia Retirement Plan) and 403(b) retirement savings plans (Concordia Retirement Savings Plan) for LCMS church workers and rostered ministers.
- Disability and Life Insurance: Providing disability and survivor coverage through the Concordia Disability and Survivor Plan, including employer-paid basic life benefits.
- Business Solutions Services: Offering HR services and payroll services (through partners like Paycor and Paychex) as additional revenue-generating services to LCMS ministries.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Seminary Student Health Coverage - Option CSS |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Concordia Plans product offering
Product offeringCore offering
Concordia Plan Services administers comprehensive employee benefit programs—including health (medical, dental, vision, prescription drug), pension, 403(b) retirement savings, disability and life/survivor coverage—for The Lutheran Church—Missouri Synod (LCMS) ministries and church workers. It also offers supplemental wellness programs, mental health/EAP, telehealth, personal spending accounts, identity protection, and ancillary payroll and HR services to the same LCMS ministry constituency through partner integrations.
Product overview
Concordia Plan Services offers a comprehensive, integrated benefits ecosystem for The Lutheran Church—Missouri Synod (LCMS) ministries and workers, combining health insurance, retirement savings, disability/life protection, and business administration solutions. The core portfolio centers on the Concordia Health Plan (medical/dental/vision/prescription with multiple plan options through Cigna, Anthem BCBS, UMR, Kaiser), the Concordia Retirement Plan pension, and the Concordia Retirement Savings Plan 403(b). These are augmented by a suite of wellness modules including Vitality (wellness rewards), Quantum Health (care navigation), Evernorth Confide (mental health/EAP), telehealth (Teladoc, MDLIVE, Kaiser), Sword Thrive (digital physical therapy), and diabetes/weight management solutions (Virta, Wondr, Omada). Personal spending accounts (HSA/FSA/HRA) are administered via HealthEquity. The portfolio also includes personal financial tools (Financial Navigator, Retirement Connection), legal and identity protection (Aura, LifeWorks/Securian), and business solutions for employers (Payroll Services via Paycor/Paychex, HR Services via Mineral Platform). Specialty offerings target seminary students (Option CSS), Medicare-eligible workers (Premium Plus), international workers (BCBS Global Solutions), and pastors (Pastoral Support Network). The overall architecture is a platform-plus-modules model where employers select from flexible benefit building blocks that interlock through shared member portals and third-party integration partners.
Differentiator
Problem solved
Functional benefit
Products and services
- Concordia Health Plan Comprehensive health insurance plan providing medical, dental, vision, and prescription drug benefits for LCMS church workers. Offers multiple plan options including Anthem BCBS, Cigna Healthy Me, UMR, Cigna HMO, and Kaiser Permanente, with healthcare navigation support through Quantum Health.
- Concordia Retirement Plan (Pension) Employer-paid pension plan providing monthly income benefits for life upon retirement, based on years of service, compensation, and plan option (Traditional or Account). Supports both rostered and lay workers across LCMS ministries.
- Concordia Retirement Savings Plan 403(b) Tax-advantaged 403(b) retirement savings plan offering pre-tax and Roth contribution options, low fees, a diverse fund lineup including Vanguard and Fidelity funds, automatic enrollment, and ProManage professional investment management.
- Concordia Disability and Survivor Plan Employer-sponsored disability and survivor benefits providing income replacement during disability (including maternity leave) and basic life insurance for LCMS workers and their families.
- Seminary Student Health Benefits (Option CSS) Health coverage through Concordia Health Plan Option CSS for seminary students at Concordia Seminary (St. Louis) and Concordia Theological Seminary (Fort Wayne), covering medical, prescription, mental health, and substance abuse with monthly rates Self Only $414 to Family $1,493.
- Premium Plus (Active Employee Medicare Plan) Health plan that combines Medicare coverage with active-employee Concordia Health Plan benefits for LCMS workers and spouses age 65 and older in ministries with fewer than 20 employees, bundling medical, vision, dental, hearing, prescription, Vitality, EAP, Medicare Part B premium reimbursement, Teladoc Diabetes Management, and Wondr weight management.
- International Worker Health Benefits (BCBS Global Solutions) Comprehensive health coverage through Blue Cross Blue Shield Global Solutions for LCMS workers serving outside the U.S., covering medical, dental, vision, hearing, prescription, telehealth, mental health (Global EAP), and emergency evacuation for international workers and their dependents.
- Payroll Services (Paycor, Paychex) Payroll processing and administration services for LCMS ministries offered through Paycor and Paychex partnerships to streamline payroll operations and administrative workflows.
- HR Services (Mineral Platform) Human resources services platform for LCMS ministries delivered through the Mineral Platform, providing HR guidance, compliance tools, and workforce management resources.
- Critical Illness and Accidental Injury Insurance Supplemental insurance through Cigna providing lump-sum payments for critical illness diagnoses (cancer, heart attack, stroke, organ failure) and benefits for accidental injuries, creating a financial safety net beyond core health plan coverage.
- International Worker Health Benefits — GeoBlue / Bupa Global International/expat health coverage for LCMS workers serving outside the U.S. delivered through GeoBlue in partnership with Bupa Global, offering an additional international coverage option.
Quantifiable outcome
- Serves 6,000 LCMS organizations with 30,000 employees and 41,000 retirees and beneficiaries
Companies that use Concordia Plans
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles4 records
Concordia Plans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration33 records
AI capability3 records
Feature3 records
Concordia Plans partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered core, flagship and minor.
- Quantum HealthcoreHealthcare navigation partner providing the primary point of contact for all healthcare-related questions, claims support, provider search, and care coordination. Available via phone, website, and mobile app.
- CignacoreProvides dental benefits, HMO plan options, and supplemental health insurance including critical illness and accidental injury coverage.
- Kaiser PermanentecoreProvides health plan options in multiple regions including Northern California, Southern California, Colorado, Mid-Atlantic States, Northwest, and Georgia.
- Express ScriptscorePrescription drug benefits administrator for Ameriben and Allegiance plan options.
- Evernorth ConfidecoreEnhanced Employee Assistance Program (EAP) providing mental health support, counseling sessions, crisis intervention, and work-life referrals for Concordia Health Plan members.
- Teladoc HealthcoreTelehealth solution providing virtual access to general medical care, mental health, dermatology, nutrition counseling, and expert medical opinions.
- VitalitycoreWellness program gateway providing activities, rewards, challenges, and health goals integration for Concordia Health Plan members.
- HealthEquitycorePersonal spending accounts administrator providing HSA, FSA, LPFSA, DCFSA, and HRA account management for members.
- Fidelitycore403(b) retirement savings plan administrator providing investment options and account management for the Concordia Retirement Savings Plan.
- Securian/LifeWorkscoreProvides supplemental life insurance, legal services, eldercare resources, grief support, and travel assistance.
- Sword HealthcoreDigital physical therapy program (Sword Thrive) providing virtual physical therapy with tablet and motion sensors for back, joint and muscle pain treatment.
- Virta HealthcoreDiabetes treatment program clinically proven to reverse type 2 diabetes with medical supervision and health coaching.
- Omada Healthcore16-week digital health program helping members at risk for diabetes and cardiovascular disease adopt behavioral changes.
- Wondr HealthcoreWeight management program using a common-sense, skill-building approach to lasting weight loss without calorie counting.
- GeoBluecoreInternational health coverage for LCMS workers serving outside the U.S., partnered with Bupa Global.
- VSPcoreVision benefits provider offering eye care coverage and discounts.
- PaycorcorePayroll services partner for LCMS ministries needing payroll solutions.
- PaychexcorePayroll services partner for LCMS ministries needing payroll solutions.
- Mineral (HR Services)coreHR services platform providing human resources support and services for LCMS ministries.
- The Lutheran Church—Missouri Synod (LCMS)flagshipParent organization that created Concordia Plan Services. LCMS provides governance oversight through the Board of Directors and represents member interests.
- Lutheran Church Extension Fund (LCEF)coreFinancial extension of the LCMS offering funding, investment opportunities, and loan services for LCMS ministries and church workers including Church Worker StewardAccounts and RCW mortgages.
- Concordia Publishing HouseminorLCMS entity and partner providing publishing resources for the LCMS community.
- The LCMS FoundationminorPlanned giving services for LCMS members, helping with gift planning and stewardship of assets.
- Lutheran Federal Credit UnionminorCredit union of The LCMS offering everyday banking and lending needs to LCMS members and organizations, serving members in all 50 states.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Concordia Plans competitors and assessment
Company assessmentDirect peers
- Portico Benefits Services: Benefits arm of the Evangelical Lutheran Church in America (ELCA), providing health, pension, retirement savings and disability benefits to ELCA congregations, schools and rostered leaders. Highly comparable sister organization in Lutheran tradition with overlapping target audience structure.
- Church Pension Group: The Episcopal Church's benefits organization administering the Clergy Pension Plan, health benefits through the Episcopal Health Plan, retiree health, and lay retirement programs. Direct structural analog operating in a single denomination with the same health + pension + retiree architecture.
- Wespath Benefits and Investments: United Methodist Church's benefits organization, administering pension plans, retiree health, and investment programs for UMC clergy and lay employees. Comparable scale and denominational nonprofit model with deep investment and pension administration capabilities.
- GuideStone Financial Resources: The Southern Baptist Convention's denominational benefits organization, offering health, retirement (Pension Plan), 403(b)/401(k), life and disability plans to Southern Baptist churches and ministries. The closest functional analog to Concordia Plans across product mix, mission-driven non-profit model and church-ecosystem distribution.
- Board of Pensions of the Presbyterian Church (U.S.A.): Provides pension, health benefits, retirement savings and assistance programs to PC(USA) congregations and affiliated employers. Closely comparable in scope: defined benefit pension, group health, death and disability coverage administered for a single Protestant denomination's ministry employers.
- Everence (Mennonite Church USA / related): Faith-based, fraternal benefits society offering insurance, retirement, banking and financial services to Anabaptist (Mennonite, Amish, Church of the Brethren) communities and ministries. Highly comparable as a faith-aligned nonprofit benefits administrator with pension and health offerings.
- AG Financial: Benefits and financial services organization serving the Assemblies of God fellowship (churches, districts, educational institutions), offering retirement plans, insurance and church financing. Direct denominational peer with similar mission-driven positioning in an evangelical Protestant ecosystem.
Others
- Church Alliance: Coalition of approximately 40 denominational benefit programs in which Concordia Plans is a participant. Not a direct competitor; useful ecosystem peer because it coordinates advocacy, group insurance purchasing and risk management across the church benefits space Concordia Plans operates in.
Broad incumbents
- Blue Cross Blue Shield Association: Federation of US health insurance plans (including Anthem BCBS, which underwrites portions of Concordia's Health Plan). Broadly relevant incumbent shaping medical carrier pricing, network design and ASO/service-fee economics that flow through to denominational plans like Concordia.
- Cigna Group: Major US health services and insurance carrier that is concurrently a core delivery partner of Concordia Plans (Cigna HMO, Cigna Dental, Critical Illness/Accident). Important peer because commercial competitors like Cigna serve ministries that choose not to use Concordia and represent the alternative benchmark on price, network and digital tools.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Concordia Plans social profiles
Digital presenceConcordia Plans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Concordia Plans leadership team
Management profileNumber of profiles
Profiles9 records
Concordia Plans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Concordia Plans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Concordia Plans
What does Concordia Plans do?
Concordia Plan Services administers comprehensive employee benefit programs—including health (medical, dental, vision, prescription drug), pension, 403(b) retirement savings, disability and life/survivor coverage—for The Lutheran Church—Missouri Synod (LCMS) ministries and church workers. It also offers supplemental wellness programs, mental health/EAP, telehealth, personal spending accounts, identity protection, and ancillary payroll and HR services to the same LCMS ministry constituency through partner integrations.
Is Concordia Plans a public or private company?
Concordia Plans is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Concordia Plans founded?
Concordia Plans was founded in 2005. It employs 101 to 250 people.
Where is Concordia Plans based?
Concordia Plans is headquartered in Saint Louis, United States, in the North America region.
How does Concordia Plans make money?
Four revenue lines are on record. Health Insurance Premiums are the primary driver. The others are retirement Plan Administration, disability and Life Insurance and business Solutions Services.
Who are Concordia Plans's main competitors?
Direct peers on record are Portico Benefits Services, Church Pension Group, Wespath Benefits and Investments, GuideStone Financial Resources, Board of Pensions of the Presbyterian Church (U.S.A.), Everence (Mennonite Church USA / related) and AG Financial. Church Alliance is listed as an others. Broad incumbents are Blue Cross Blue Shield Association and Cigna Group.
Does Concordia Plans have an API?
No public API is recorded for Concordia Plans.
What industry is Concordia Plans in?
Concordia Plans's product category is Employee Benefits Administration (Non-Profit). Its primary akta.pro industry code is BPAAAIAB, Benefits Administration & Enrollment Support, with a secondary code of HLAEAAAH, Employer Wellness & Population Health Programs. Its NAICS code is 8139 and its SIC code is 6324.