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Original filing (PDF)20251009123943NAL0003914291001
BREAD FINANCIAL PAYMENTS, INC.
Form 5500
FILING_RECEIVED
BREAD FINANCIAL 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
4,992
Accounts w/ balance
8,914
Plan assets (EOY)
$932.1M
Net assets (EOY)
$932.0M
How this plan invests
This plan
16 pooled trusts
Schedule D
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (0 bps vs 6 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BREAD FINANCIAL PAYMENTS, INC..
Plan sponsor
Name
BREAD FINANCIAL PAYMENTS, INC.
EIN
13-3163498
Address
3095 LOYALTY CIRCLE · COLUMBUS, OH · 43219
Phone
(614) 729-4000
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
ARY ROEPCKE MULCHAEY, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| T ROWE PRICE RPS INC | — | BALTIMORE, MD | NONE | $42K | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $1K | — |
Investments
12 direct securities · 16 pooled funds· $923.7M(99% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$659.4M
16 holdings
Uncategorized
$264.3M
12 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fund 2 Vanguard Institutional Index Fund Mutual fund | — | — | — | $106.3M | 11.4% | |
| VANGUARD TARGET RET 2040 TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083975 / PN 001 | Common Collective Trust | — | — | $105.3M | 11.3% | |
| VANGUARD TARGET RET 2035 TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083977 / PN 001 | Common Collective Trust | — | — | $100.1M | 10.7% | |
| VANGUARD TARGET RET 2045 TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083973 / PN 001 | Common Collective Trust | — | — | $87.5M | 9.4% | |
| VANGUARD TARGET RET 2050 TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083969 / PN 001 | Common Collective Trust | — | — | $74.1M | 8.0% | |
| VANGUARD TARGET RET 2030 TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083979 / PN 001 | Common Collective Trust | — | — | $68.0M | 7.3% | |
| VANGUARD TARGET RET 2055 TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 27-6715074 / PN 001 | Common Collective Trust | — | — | $49.9M | 5.4% | |
| VANGUARD TARGET RET 2025 TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083981 / PN 001 | Common Collective Trust | — | — | $46.1M | 4.9% | |
| JENNISON GROWTH EQUITY FUND PRUDENTIAL TRUST CO. · EIN 23-6994310 / PN 057 | Common Collective Trust | — | — | $29.4M | 3.2% | |
| Dodge & Cox Stock Fund Mutual fund | — | — | — | $27.9M | 3.0% | |
| GALLIARD STABLE RETURN FUND E SEI TRUST COMPANY · EIN 52-2250951 / PN 001 | Common Collective Trust | — | — | $25.6M | 2.7% | |
| Fund * Self-Managed Brokerage Accounts | — | — | — | $21.5M | 2.3% | |
| Growth Fund Vanguard Total Intl Stock Index Mutual fund | — | — | — | $19.5M | 2.1% | |
| Bond Fund Vanguard Extended Market Index Mutual fund | — | — | — | $19.2M | 2.1% | |
| VANGUARD TARGET RET 2060 TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 45-3799212 / PN 001 | Common Collective Trust | — | — | $18.1M | 1.9% | |
| Admiral Fund Vanguard Total Bond Market Index Mutual fund | — | — | — | $15.9M | 1.7% | |
| WASATCH CORE GROWTH CIT SEI TRUST COMPANY · EIN 84-2412379 / PN 134 | Common Collective Trust | — | — | $14.2M | 1.5% | |
| COLUMBIA TR SMALL CAP VALUE II AMERIPRISE TRUST COMPANY · EIN 87-2073129 / PN 167 | Common Collective Trust | — | — | $13.4M | 1.4% | |
| VANGUARD TARGET RET 2020 TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083983 / PN 001 | Common Collective Trust | — | — | $13.1M | 1.4% | |
| American Funds EuroPacific Mutual fund | — | — | — | $12.6M | 1.4% | |
| Bread Financial Holdings, Inc. Employer common stock | — | — | — | $11.3M | 1.2% | |
| Participant Loans Interest rates of 5.25% - | — | — | — | $11.0M | 1.2% | |
| Admiral Fund Metropolitan West Total Return Mutual fund | — | — | — | $9.7M | 1.0% | |
| Vanguard Fiduciary Trust Company Collective investment trust | — | — | — | $9.1M | 1.0% | |
| VANGUARD TARGET RET INC TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083968 / PN 001 | Common Collective Trust | — | — | $9.1M | 1.0% | |
| VANGUARD TARGET RET 2065 TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 82-6190443 / PN 001 | Common Collective Trust | — | — | $4.9M | 0.5% | |
| VANGUARD TARGET RET 2070 TR I VANGUARD FIDUCIARY TRUST COMPANY · EIN 87-7035538 / PN 001 | Common Collective Trust | — | — | $702K | <0.1% | |
| Fund * T. Rowe Price Government Money Mutual Fund | — | — | — | $223K | <0.1% |
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