401(k) · DOL Form 5500 · 2022
Bread Financial Payments, Inc. 401(k) Plan
Data updated 2026-08-25
- $784M
- Total assets Above avg plan size
- 5,715
- Participants Above avg headcount
- 99th
- Percentile by assets National rank
- $137,174
- Avg per participant Near avg balance/head
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.
- #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.
- #9,019
- in Finance & Insurance (9,261 peers)
- -20.6%
- assets change YoY
- 7.9×
- vs typical plan assets (national mean)
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.
Bread Financial 401(k) Plan's outsized position by total assets
Bread Financial 401(k) Plan vs every filed plan by assets
End-of-year total assets · plan year 2022 · DOL Form 5500
$783,951,975 Top 1% higher than 99% of 139,123 filed plans
Dashed line + filled bar = this entry, among filed plans.
Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022
Bread Financial 401(k) Plan's large-plan peer group by participant headcount
Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Bread Financial 401(k) Plan lands in the large band (5,715 participants).
Plan-year Form 5500 strip
Filing strip 133163498 · Bread Financial Payments, Inc. PY 2022 · 401(k)
Bread Financial 401(k) Plan · $784M · 5,715 · 99th
- BOOK $784M
- VS-ST 5,715
- BOY 99th
- SCH 401(k)
- EBSA near Dentons US LLP Profit Sharing Plan
- PART ind #9019
Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in Ohio →
Bread Financial 401(k) Plan in the asset neighbourhood
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.)
Sponsor-wide plan assets over time
All Bread Financial Payments, Inc. plans reported in each filing year
- Latest sponsor-wide plan assets
- $932M 18.901381682213376% vs 2022
- 2024 filing year
| 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.
- 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)
Bread Financial 401(k) Plan's out-of-state 401(k) peers by assets and headcount
Outside Ohio, the nearest 401(k) by assets is Dentons US LLP Profit Sharing Plan in IL ($784M); by covered participants it is Savings Program for Employees of Consolidated Nuclear Security, LLC at the U.S. Department of Energy Facilities at Oak Ridge, Tennessee in TN (5,711 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($784M here).
- 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
Similar participant headcount
Nearest other-state filings by covered participants (5,715 participants); asset peers above are excluded.
- Savings Program for Employees of Consolidated Nuclear Security, LLC at the U.S. Department of Energy Facilities at Oak Ridge, Tennessee (TN) 5,711 · 4 off
- City National Bank Profit Sharing Plan (CA) 5,710 · 5 off
- Party City Holdings Inc. 401(k) Plan (NJ) 5,709 · 6 off
- Post Holdings, Inc. Savings Investment Plan (MO) 5,723 · 8 off
DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.