Bread Financial Payments 401(k) plan

Bread Financial Payments, Inc., Columbus, OH. EIN 13-3163498. Annual reports 2009–2024. Also filed as Ads Alliance Data Systems, Inc.

Bread Financial Payments, Inc. has one active retirement plan on file, the Bread Financial 401(k) Plan, with 9,012 participants and $932 million in assets in 2024. T. Rowe Price has been its recordkeeper since 2023. No traditional pension plan appears in Bread Financial Payments's filings since 2009.

Active plans: 1
Participants: 9,012
Plan assets: $932 million
401(k) recordkeeper: T. Rowe Price
Plans on file: 1
Industry: Finance and insurance

The plan

Bread Financial 401(k) Plan

401(k)Active

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

Plan number: 001Employer EIN 13-3163498
Participants (2024): 9,012
Net assets (2024): $932 million
Recordkeeper: T. Rowe PriceEarlier: Principal (2020–2022), Wells Fargo (2012–2019), Schwab (2009–2011)
Plan administrator: Bread Financial Payments, Inc.
3095 Loyalty Circle
Columbus, OH 43219
(614) 729-4000As filed for 2024
In effect since: January 24, 1996

Earlier sponsor: Ads Alliance Data Systems, Inc. (2009–2021).

Earlier plan names: Alliance Data Systems 401(k) and Retirement Savings Plan; Alliance Data Systems 401(k) Retirement Savings PL.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	9,012	$932 million	T. Rowe Price
2023	11,097	$823 million	T. Rowe Price
2022	13,064	$784 million	Principal
2021	12,282	$987 million	Principal
2020	13,894	$965 million	Principal
2019	15,610	$957 million	Wells Fargo
2018	20,130	$954 million	Wells Fargo
2017	21,041	$970 million	Wells Fargo
2016	18,208	$763 million	Wells Fargo
2015	17,601	$662 million	Wells Fargo
2014	15,263	$601 million	Wells Fargo
2013	12,353	$510 million	Wells Fargo
2012	10,976	$360 million	Wells Fargo
2011	8,453	$298 million	Schwab
2010	7,707	$266 million	Schwab
2009	9,877	$228 million	Schwab

If you had money in one of these plans

Call T. Rowe Price (troweprice.com), which runs the Bread Financial 401(k) 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 ((614) 729-4000). 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.

The plan

Bread Financial 401(k) Plan

If you had money in one of these plans

What these numbers are

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