401(k) · DOL Form 5500 · 2024
Bread Financial Payments, Inc. 401(k) Plan
Data updated 2026-08-25
- $932M
- Total assets Above avg plan size
- 6,062
- Participants Above avg headcount
- 98th
- Percentile by assets National rank
- $153,766
- Avg per participant Above avg balance/head
Official DOL plan name: Bread Financial 401(k) Plan · Sponsored by Bread Financial Payments, Inc. · Ohio · Finance & Insurance
$932M in assets, 6,062 participants
Bread Financial Payments, Inc.'s Bread Financial 401(k) Plan reported $932M in total assets and 6,062 participants in its 2024 DOL Form 5500 filing, ranking in the 98th 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.
- #8,283 in Finance & Insurance (8,549 peers)
Coverage in Ohio
Bread Financial 401(k) Plan covers 6,062 participants in Ohio, 7.9x the typical Ohio plan (state average ~765 per filing). Assets: $932M.
- #8,283
- in Finance & Insurance (8,549 peers)
- +13.2%
- assets growth YoY
- 9.4×
- vs typical plan assets (national mean)
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 2024 · DOL Form 5500
$932,129,730 Top 2% higher than 98% of 123,620 filed plans
Dashed line + filled bar = this entry, among filed plans.
Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2024
Bread Financial 401(k) Plan's large-plan peer group by participant headcount
Plan-year 2024 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 (6,062 participants).
What changed between DOL Form 5500 filings
plan year 2023 → plan year 2024
- Bread Financial 401(k) Plan reported net income rose from $40M in the plan year 2023 filing to $109M in the plan year 2024 filing.
- Bread Financial 401(k) Plan reported participants fell from 7,094 in the plan year 2023 filing to 6,062 in the plan year 2024 filing.
- Bread Financial 401(k) Plan end-of-year assets rose from $824M in the plan year 2023 filing to $932M in the plan year 2024 filing.
Form 5500 schedule snapshot
Filing strip 133163498 · Bread Financial Payments, Inc. PY 2024 · 401(k)
Bread Financial 401(k) Plan · $932M · 6,062 · 98th
- PCT $932M
- EIN 6,062
- RANK 98th
- PHOTO 401(k)
- IND near Henry Ford Health System Ambassador 403(b) Plan
- EOY ind #8283
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) | $824M |
|---|---|
| Net Assets (End of Year) | $932M |
| Net Income | $109M |
| 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.
- GE Aerospace Retirement Savings Plan $14.7B · 45,620
- The Kroger Co. 401(k) Retirement Savings Account Plan $11.8B · 135,373
- The Progressive 401(k) Plan $11.5B · 62,521
- The Sherwin-Williams Company 401(k) Plan $10.6B · 47,459
- Parker Retirement Savings Plan $9.0B · 26,315
Scale composition for Bread Financial 401(k) Plan
Bread Financial 401(k) Plan reports $932M in end-of-year assets across 6,062 participants (0.008% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.006% of 93,925,755 covered participants) - about $153,766 per participant (1.1x the national average assets-per-participant) . Net income for plan year 2024 was $109M.
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 | Open filing |
| 2023 | 7,094 | $824M | Open filing |
| 2024 · index core | 6,062 | $932M | This page |
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 Henry Ford Health System Ambassador 403(b) Plan in MI ($932M); by covered participants it is Herc Rentals Income Savings Plan in FL (6,064 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($932M here).
- Henry Ford Health System Ambassador 403(b) Plan (MI) $932M · 18,400
- Stop & Shop Supermarket Company 401(k) Plan (MA) $932M · 3,926
- Michael Baker International 401(k) Plan (PA) $933M · 3,599
- Susquehanna International Group, LLP 401(k) Profit Sharing Plan (PA) $934M · 1,953
Similar participant headcount
Nearest other-state filings by covered participants (6,062 participants); asset peers above are excluded.
- Herc Rentals Income Savings Plan (FL) 6,064 · 2 off
- Champion Home Builders, Inc. 401(k) Savings Plan (MI) 6,067 · 5 off
- Hanger, Inc. 401(k) Savings Plan (TX) 6,055 · 7 off
- Menzies Aviation (USA), Inc. 401(k) Plan (TX) 6,070 · 8 off
DOL Form 5500 plan year 2024. Asset totals can differ widely at the same headcount; neither axis is a quality rating.