401(k) · DOL Form 5500 · 2022
Bread Financial Payments, Inc. 401(k) Plan
Data updated 2026-08-11
- $784M
- Total assets
- 5,715
- Participants
- 99th
- Percentile by assets
- $137,174
- Avg per participant
Official DOL plan name: Bread Financial 401(k) Plan · Sponsored by Bread Financial Payments, Inc. · Ohio · Finance & Insurance
$784M in assets, 5,715 participants
Bread Financial Payments, Inc.'s Bread Financial 401(k) Plan reported $784M in total assets and 5,715 participants in its 2022 DOL Form 5500 filing, ranking in the 99th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.
- 99th percentile by assets (of 139,126 plans)
- #9,019 in Finance & Insurance (9,261 peers)
Coverage in Ohio
Bread Financial 401(k) Plan covers 5,715 participants in Ohio, 7.5x the typical Ohio plan (state average ~765 per filing). Assets: $784M.
- $784M
- total plan assets (2022 EOY)
- 5,715
- covered participants
- 99th
- percentile by assets (of 139,126 plans)
- $137,174
- avg assets per participant
The plan reported a net loss of $203M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.
Participants vs Ohio filers
In Ohio, the average filing covers about 765 participants across 5,089 plans. Bread Financial 401(k) Plan reports 5,715 participants - 7.5x that state average ($784M EOY assets).
Ohio filing particulars
| Total Assets (Beginning of Year) | $988M |
|---|---|
| Net Assets (End of Year) | $784M |
| Net Income | -$203M |
| Employer EIN | 133163498 |
| Plan Effective Date | 1996-01-24 |
| Filing Status | FILING RECEIVED |
Sponsor Plan History (Bread Financial Payments, Inc.)
| Year | Plans | Participants | Total Assets |
|---|---|---|---|
| 2022 | 1 | 5,715 | $784M |
| 2023 | 1 | 7,094 | $824M |
| 2024 | 1 | 6,062 | $932M |
Nearby 401(k) Plans in Ohio
Peer 401(k) plans, same state, same plan type, ranked by total assets.
Bread Financial 401(k) Plan vs. nearby 401(k) plans in Ohio, assets vs. participants
- The Sherwin-Williams Company 401(k) Plan $8.3B · 44,890
- The Progressive 401(k) Plan $7.6B · 50,299
- The Kroger Co. 401(k) Retirement Savings Account Plan $7.3B · 116,133
- Nationwide Savings Plan $6.7B · 24,278
- Marathon Petroleum Thrift Plan $6.4B · 17,666
Scale composition for Bread Financial 401(k) Plan
Bread Financial 401(k) Plan reports $784M in end-of-year assets across 5,715 participants (0.006% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.006% of 93,925,755 covered participants) - about $137,174 per participant (99% of the national average assets-per-participant) . Net income for plan year 2022 was -$203M.
This plan identity (EIN 133163498, plan #001) has 3 Form 5500 filings on file from 2022 to 2024 , with end-of-year assets moving from $784M to $932M (+18.9%) while covered participants moved from 5,715 to 6,062 . Single-year sparse filers cannot show that trail.
| Plan year | Participants | EOY assets | Filing |
|---|---|---|---|
| 2022 | 5,715 | $784M | This page |
| 2023 | 7,094 | $824M | Open filing |
| 2024 · index core | 6,062 | $932M | Open filing |
The same sponsor also keeps 1 other index-core plan on PlainRetire:
- Bread Financial 401(k) Plan (401(k), $932M, 6,062 participants)
Similar-Sized 401(k) Plans Nationally
401(k) plans in other states closest to Bread Financial 401(k) Plan by total assets, not by location.
- Dentons US LLP Profit Sharing Plan (IL) $784M · 1,559
- Dte Electric Company Savings and Stock Ownership Plan for Employees Represented by Local 223 of Utility Workers Union of America (MI) $783M · 3,801
- Cslb Holdings Inc. 401(k) Plan (PA) $785M · 17,069
- Curtiss Wright Corporation Savings & Investment Plan (NJ) $786M · 4,716
Frequently Asked Questions
How did Bread Financial 401(k) Plan assets move in 2022? ▼
How have Bread Financial Payments, Inc. plan assets changed over time? ▼
Where does Bread Financial 401(k) Plan rank by assets among Form 5500 filers? ▼
Which 401(k) plans are similar in size to Bread Financial 401(k) Plan? ▼
Next read for Bread Financial 401(k) Plan
Filing takeaways
Ways to act on Bread Financial 401(k) Plan's numbers.
- By total assets, Bread Financial 401(k) Plan ranks among the largest 1% of all filed plans. See the largest plans
- Compare it side-by-side against 3 similar 401(k) plans in Ohio. Compare plans
- Bread Financial Payments, Inc.'s sponsor-wide assets have grown 18.9% since 2022 across 3 plan years on file. More Finance & Insurance plans