Synchrony Financial 401(k) and retirement plans

Synchrony Financial, Stamford, CT. EIN 51-0483352. Annual reports 2015–2024.

Synchrony Financial has one active retirement plan on file, the Synchrony Financial My Savings Plan, with 12,820 participants and $1.6 billion in assets in 2024. Fidelity has been its recordkeeper since 2019. No traditional pension plan appears in Synchrony Financial's filings since 2015.

Active plans: 1
Participants: 12,820
Plan assets: $1.6 billion
401(k) recordkeeper: Fidelity
Plans on file: 2
Industry: Finance and insurance

All 2 plans

Active plans first

Synchrony Financial My Savings Plan

401(k)Active

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

Plan number: 001Employer EIN 51-0483352
Participants (2024): 12,820
Net assets (2024): $1.6 billion
Recordkeeper: Fidelity2019–2024
Plan administrator: Synchrony Financial My Savings Plan Investment Committee
777 Long Ridge RD
Stamford, CT 06902
(844) 793-4772As filed for 2024
In effect since: November 18, 2015

Year by year, 2015 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	12,820	$1.6 billion	Fidelity
2023	12,774	$1.3 billion	Fidelity
2022	12,398	$969 million	Fidelity
2021	12,920	$1.1 billion	Fidelity
2020	11,422	$879 million	Fidelity
2019	11,499	$668 million	Fidelity
2018	14,859	$451 million	not listed
2017	13,839	$350 million	not listed
2016	11,101	$174 million	not listed
2015	8,413	$10.4 million	not listed

Synchrony Financial Puerto Rico Savings Plan

Defined contribution planStopped filing

No annual report since the 2022 plan year, and no final report on record. The plan may have been merged, renamed or re-filed under another number; ask the plan administrator below.

Plan number: 002Employer EIN 51-0483352
Participants (2021): 239
Net assets (2021): $4.4 million
Plan administrator: Synchrony Financial Puerto Rico Savings Plan Investment Committee
777 Long Ridge RD
Stamford, CT 06902
(844) 793-4772As filed for 2022
In effect since: November 18, 2015

Year by year, 2015 to 2022

Plan year	Participants	Net assets	Recordkeeper
2022	0	$20,306	not listed
2021	239	$4.4 million	not listed
2020	253	$3.5 million	not listed
2019	259	$2.6 million	not listed
2018	258	$1.6 million	not listed
2017	223	$1.3 million	not listed
2016	194	$692,583	not listed
2015	199	$63,030	not listed

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the Synchrony Financial My Savings 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 ((844) 793-4772). That number was filed for 2024; ask for the benefits or retirement plan office.
If your plan closed, unclaimed balances usually went to an IRA in your name, to the PBGC's missing participants program, or to state unclaimed property. Here is how to check each one.
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.

All 2 plans

Synchrony Financial My Savings Plan

Synchrony Financial Puerto Rico Savings Plan

If you had money in one of these plans

What these numbers are

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