diff --git a/backend/src/routes/commercial-insurance.routes.ts b/backend/src/routes/commercial-insurance.routes.ts
index b3e1ed0..fd94d69 100644
--- a/backend/src/routes/commercial-insurance.routes.ts
+++ b/backend/src/routes/commercial-insurance.routes.ts
@@ -2,6 +2,7 @@ import { Router, Response, NextFunction } from 'express'
 import { z } from 'zod'
 import prisma from '../lib/prisma'
 import { authMiddleware, AuthRequest } from '../middleware/auth'
+import { decrypt } from '../lib/crypto'
 
 const router = Router()
 router.use(authMiddleware)
@@ -45,7 +46,7 @@ router.get('/plans/:planId/enrollments', async (req: AuthRequest, res: Response,
       employeeId: e.employeeId,
       name: e.employee.name,
       department: e.employee.department,
-      idCardMasked: e.employee.idCardNumber ? e.employee.idCardNumber.slice(0, 3) + '****' + e.employee.idCardNumber.slice(-4) : null,
+      idCardNumber: e.employee.idCardNumber ? (() => { try { return e.employee.idCardNumber.includes(':') ? decrypt(e.employee.idCardNumber) : e.employee.idCardNumber } catch { return null } })() : null,
       premium: e.premium,
       effectiveFrom: e.effectiveFrom,
       effectiveTo: e.effectiveTo,
diff --git a/backend/src/routes/roster.routes.ts b/backend/src/routes/roster.routes.ts
index 441779d..d61cc61 100644
--- a/backend/src/routes/roster.routes.ts
+++ b/backend/src/routes/roster.routes.ts
@@ -190,18 +190,6 @@ router.get('/', authMiddleware, async (req: AuthRequest, res, next) => {
       const isResigned = e.terminations.some((t) => t.status === 'COMPLETED' && t.terminationDate <= today)
       const isPreHire = !isResigned && e.hireDate > todayEnd
       const dynamicStatus = isResigned ? 'RESIGNED' : (isPreHire ? 'PRE_HIRE' : 'ACTIVE')
-      // 证件号码脱敏显示
-      let idCardMasked: string | null = null
-      if (e.idCardNumber) {
-        try {
-          const idCard = decrypt(e.idCardNumber)
-          if (idCard.length >= 11) {
-            idCardMasked = idCard.slice(0, 3) + '****' + idCard.slice(-4)
-          } else {
-            idCardMasked = '****'
-          }
-        } catch {}
-      }
       return {
         id: e.id,
         name: e.name,
@@ -217,7 +205,6 @@ router.get('/', authMiddleware, async (req: AuthRequest, res, next) => {
         hireDate: e.hireDate,
         gender: e.gender,
         phone: e.phone,
-        idCardMasked,
         idCardNumber: safeDecryptStr(e.idCardNumber),
         monthlySalary: safeDecrypt(e.monthlySalary),
         baseSalary: e.baseSalary ? safeDecrypt(e.baseSalary) : null,
diff --git a/backend/src/routes/social.routes.ts b/backend/src/routes/social.routes.ts
index dc70436..9974b6a 100644
--- a/backend/src/routes/social.routes.ts
+++ b/backend/src/routes/social.routes.ts
@@ -5,6 +5,14 @@ import { decrypt } from '../lib/crypto'
 import { z } from 'zod'
 import OpenAI from 'openai'
 
+function decryptIdCard(encrypted: string | null): string | null {
+  if (!encrypted) return null
+  try {
+    if (!encrypted.includes(':')) return encrypted
+    return decrypt(encrypted)
+  } catch { return null }
+}
+
 const router = Router()
 router.use(authMiddleware)
 
@@ -1305,6 +1313,7 @@ router.get('/monthly-changes', async (req: AuthRequest, res: Response, next: Nex
         recordId: r.id,
         employeeId: r.employeeId,
         name: r.employee.name,
+        idCardNumber: decryptIdCard(r.employee.idCardNumber),
         department: r.employee.department,
         city: r.city,
         base: r.base,
@@ -1376,6 +1385,7 @@ router.get('/housing/monthly-changes', async (req: AuthRequest, res: Response, n
         recordId: r.id,
         employeeId: r.employeeId,
         name: r.employee.name,
+        idCardNumber: decryptIdCard(r.employee.idCardNumber),
         department: r.employee.department,
         city: r.city,
         base: r.base,
@@ -1442,7 +1452,8 @@ router.get('/active-declaration', async (req: AuthRequest, res: Response, next:
         recordId: r.id,
         employeeId: r.employeeId,
         name: r.employee.name,
-        department: r.employee.department,
+        idCardNumber: decryptIdCard((r as any).employee.idCardNumber),
+        department: (r as any).employee.department,
         city: r.city,
         base: r.base,
         startMonth: r.startMonth,
@@ -1505,7 +1516,8 @@ router.get('/housing/active-declaration', async (req: AuthRequest, res: Response
         recordId: r.id,
         employeeId: r.employeeId,
         name: r.employee.name,
-        department: r.employee.department,
+        idCardNumber: decryptIdCard((r as any).employee.idCardNumber),
+        department: (r as any).employee.department,
         city: r.city,
         base: r.base,
         startMonth: r.startMonth,
diff --git a/frontend/src/pages/Roster.tsx b/frontend/src/pages/Roster.tsx
index b41544c..00e0bbb 100644
--- a/frontend/src/pages/Roster.tsx
+++ b/frontend/src/pages/Roster.tsx
@@ -475,7 +475,7 @@ export default function Roster() {
           formData: {
             employeeId: id,
             employeeName: emp.name,
-            idCardNumber: emp.idCardMasked || '',
+            idCardNumber: emp.idCardNumber || '',
             position: emp.position || '',
             monthlyIncome: emp.monthlySalary ? `¥${emp.monthlySalary}` : '',
             purpose: '批量开具',
@@ -564,7 +564,7 @@ export default function Roster() {
   const [showColSettings, setShowColSettings] = useState(false)
 
   const filtered = employees?.filter((e: any) =>
-    !search || e.name.includes(search) || e.department.includes(search) || (e.idCardMasked && e.idCardMasked.includes(search))
+    !search || e.name.includes(search) || e.department.includes(search) || (e.idCardNumber && e.idCardNumber.includes(search))
   ) || []
 
   // 通讯录视图数据
@@ -800,7 +800,7 @@ export default function Roster() {
                           if (e.idCardNumber) {
                             copyToClipboard(e.idCardNumber, '已复制证件号码')
                           }
-                        }}>{e.idCardMasked || '—'}</span>
+                        }}>{e.idCardNumber || '—'}</span>
                       </div>
                     </td>
                     {colVisible('department') && <td className="px-4 py-2.5 text-gray-500">{e.department}</td>}
@@ -1213,7 +1213,7 @@ export default function Roster() {
                     formData: {
                       employeeId: certEmployee.id,
                       employeeName: certEmployee.name,
-                      idCardNumber: certEmployee.idCardMasked || '',
+                      idCardNumber: certEmployee.idCardNumber || '',
                       position: certEmployee.position || '',
                       monthlyIncome: certEmployee.monthlySalary ? `¥${certEmployee.monthlySalary}` : '',
                       purpose: certPurpose || '通用',
diff --git a/frontend/src/pages/roster/EmployeeProfileShell.tsx b/frontend/src/pages/roster/EmployeeProfileShell.tsx
index 734188c..0f70b52 100644
--- a/frontend/src/pages/roster/EmployeeProfileShell.tsx
+++ b/frontend/src/pages/roster/EmployeeProfileShell.tsx
@@ -18,7 +18,7 @@ interface EmployeeSummary {
   phone?: string
   email?: string
   city?: string
-  idCardMasked?: string
+  idCardNumber?: string
   probationInfo?: {
     isProbation: boolean
     isExpiring: boolean
@@ -175,8 +175,8 @@ export default function EmployeeProfileShell({
                       <MapPin className="w-3 h-3" />{profile.city}
                     </span>
                   )}
-                  {profile.idCardMasked && (
-                    <span className="font-mono">{profile.idCardMasked}</span>
+                  {profile.idCardNumber && (
+                    <span className="font-mono">{profile.idCardNumber}</span>
                   )}
                 </div>
               </div>
diff --git a/frontend/src/pages/social-insurance/CommercialInsuranceTab.tsx b/frontend/src/pages/social-insurance/CommercialInsuranceTab.tsx
index 242658c..51174fb 100644
--- a/frontend/src/pages/social-insurance/CommercialInsuranceTab.tsx
+++ b/frontend/src/pages/social-insurance/CommercialInsuranceTab.tsx
@@ -210,7 +210,7 @@ export default function CommercialInsuranceTab() {
                     <tr key={e.id || e.employeeId} className="border-b last:border-0 hover:bg-gray-50">
                       <td className="py-2 font-medium">{e.name}</td>
                       <td className="py-2 text-gray-500">{e.department}</td>
-                      <td className="py-2 text-gray-400 font-mono text-xs">{e.idCardMasked || '—'}</td>
+                      <td className="py-2 text-gray-400 font-mono text-xs">{e.idCardNumber || '—'}</td>
                       <td className="py-2 text-right">¥{fmt(e.premium || 0)}</td>
                       <td className="py-2 text-gray-500 text-xs">{e.effectiveFrom || '—'}</td>
                       <td className="py-2">
diff --git a/frontend/src/pages/social-insurance/MonthlyRows.tsx b/frontend/src/pages/social-insurance/MonthlyRows.tsx
index 664f00f..cbb8af4 100644
--- a/frontend/src/pages/social-insurance/MonthlyRows.tsx
+++ b/frontend/src/pages/social-insurance/MonthlyRows.tsx
@@ -34,7 +34,12 @@ export function MonthlyRow({ item: i, type, onCorrected }: { item: any; type: 'a
   return (
     <>
       <tr className="border-b last:border-0 hover:bg-gray-50 cursor-pointer" onClick={() => setExpanded(!expanded)}>
-        <td className="py-1.5">{i.name} {d && <span className="text-gray-300 text-xs">{expanded ? '▾' : '▸'}</span>}</td>
+        <td className="py-1.5">
+          <div className="flex flex-col gap-0.5">
+            <span>{i.name} {d && <span className="text-gray-300 text-xs">{expanded ? '▾' : '▸'}</span>}</span>
+            {i.idCardNumber && <span className="text-gray-400 text-[11px] font-mono">{i.idCardNumber}</span>}
+          </div>
+        </td>
         <td className="py-1.5 text-gray-500">{i.department}</td>
         <td className="py-1.5"><span className={`px-2 py-0.5 rounded text-xs ${typeClass}`}>{typeLabel}</span></td>
         <td className="py-1.5 text-right">
@@ -121,7 +126,12 @@ export function MonthlyHousingRow({ item: i, type, onCorrected }: { item: any; t
 
   return (
     <tr className="border-b last:border-0 hover:bg-gray-50">
-      <td className="py-1.5">{i.name}</td>
+      <td className="py-1.5">
+        <div className="flex flex-col gap-0.5">
+          <span>{i.name}</span>
+          {i.idCardNumber && <span className="text-gray-400 text-[11px] font-mono">{i.idCardNumber}</span>}
+        </div>
+      </td>
       <td className="py-1.5 text-gray-500">{i.department}</td>
       <td className="py-1.5"><span className={`px-2 py-0.5 rounded text-xs ${typeClass}`}>{typeLabel}</span></td>
       <td className="py-1.5 text-right">