401k Plan data: BREAD FINANCIAL 401(K) PLAN plan

BREAD FINANCIAL 401(K) PLAN 401k Plan overview

Plan Name	BREAD FINANCIAL 401(K) PLAN
Plan identification number	001

BREAD FINANCIAL 401(K) PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Participant-directed brokerage accounts provided as an investment option under the plan.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

BREAD FINANCIAL PAYMENTS, INC. has sponsored the creation of one or more 401k plans.

Company Name: BREAD FINANCIAL PAYMENTS, INC.

Employer identification number (EIN): 133163498

NAIC Classification: 522298
NAIC Description: All Other Nondepository Credit Intermediation

Additional information about BREAD FINANCIAL PAYMENTS, INC.

Jurisdiction of Incorporation: Texas Secretary of State

Incorporation Date: 1984-03-16

Company Identification Number: 0006154806

Legal Registered Office Address: 3095 LOYALTY CIR

COLUMBUS
United States of America (USA)
43219

More information about BREAD FINANCIAL PAYMENTS, INC.

Form 5500 Filing Information

Submission information for form 5500 for 401k plan BREAD FINANCIAL 401(K) PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2022-01-01
001 2021-01-01
001 2020-01-01
001 2019-01-01
001 2018-01-01
001 2017-01-01 CALVIN HILTON CALVIN HILTON 2018-08-29
001 2016-01-01 CALVIN HILTON CALVIN HILTON 2017-08-03
001 2015-01-01 CALVIN HILTON CALVIN HILTON 2016-09-01
001 2014-01-01 CALVIN HILTON CALVIN HILTON 2015-08-11
001 2014-01-01 CALVIN HILTON CALVIN HILTON 2016-06-03
001 2013-01-01 CALVIN HILTON CALVIN HILTON 2014-09-04
001 2012-01-01 CALVIN HILTON CALVIN HILTON 2013-09-30
001 2011-01-01 CALVIN HILTON
001 2009-01-01 CALVIN HILTON

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
001	2022-01-01
001	2021-01-01
001	2020-01-01
001	2019-01-01
001	2018-01-01
001	2017-01-01	CALVIN HILTON	CALVIN HILTON	2018-08-29
001	2016-01-01	CALVIN HILTON	CALVIN HILTON	2017-08-03
001	2015-01-01	CALVIN HILTON	CALVIN HILTON	2016-09-01
001	2014-01-01	CALVIN HILTON	CALVIN HILTON	2015-08-11
001	2014-01-01	CALVIN HILTON	CALVIN HILTON	2016-06-03
001	2013-01-01	CALVIN HILTON	CALVIN HILTON	2014-09-04
001	2012-01-01	CALVIN HILTON	CALVIN HILTON	2013-09-30
001	2011-01-01	CALVIN HILTON
001	2009-01-01	CALVIN HILTON

Plan Statistics for BREAD FINANCIAL 401(K) PLAN

401k plan membership statisitcs for BREAD FINANCIAL 401(K) PLAN

Measure Date Value
2022: BREAD FINANCIAL 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 12,385
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 7,094
Number of retired or separated participants receiving benefits 2022-01-01 5
Number of other retired or separated participants entitled to future benefits 2022-01-01 5,943
Total of all active and inactive participants 2022-01-01 13,042
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 22
Total participants 2022-01-01 13,064
Number of participants with account balances 2022-01-01 10,800
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 0
2021: BREAD FINANCIAL 401(K) PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 13,566
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 5,717
Number of retired or separated participants receiving benefits 2021-01-01 5
Number of other retired or separated participants entitled to future benefits 2021-01-01 6,535
Total of all active and inactive participants 2021-01-01 12,257
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 25
Total participants 2021-01-01 12,282
Number of participants with account balances 2021-01-01 11,106
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: BREAD FINANCIAL 401(K) PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 15,610
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 6,695
Number of retired or separated participants receiving benefits 2020-01-01 0
Number of other retired or separated participants entitled to future benefits 2020-01-01 7,148
Total of all active and inactive participants 2020-01-01 13,843
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 51
Total participants 2020-01-01 13,894
Number of participants with account balances 2020-01-01 12,085
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 7
2019: BREAD FINANCIAL 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 20,130
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 7,478
Number of retired or separated participants receiving benefits 2019-01-01 0
Number of other retired or separated participants entitled to future benefits 2019-01-01 8,090
Total of all active and inactive participants 2019-01-01 15,568
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 42
Total participants 2019-01-01 15,610
Number of participants with account balances 2019-01-01 13,686
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 1
2018: BREAD FINANCIAL 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 21,041
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 15,977
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 4,098
Total of all active and inactive participants 2018-01-01 20,075
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 55
Total participants 2018-01-01 20,130
Number of participants with account balances 2018-01-01 16,327
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 4
2017: BREAD FINANCIAL 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 18,208
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 16,335
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 4,664
Total of all active and inactive participants 2017-01-01 20,999
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 42
Total participants 2017-01-01 21,041
Number of participants with account balances 2017-01-01 16,710
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 7
2016: BREAD FINANCIAL 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 17,601
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 14,533
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 3,645
Total of all active and inactive participants 2016-01-01 18,178
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 30
Total participants 2016-01-01 18,208
Number of participants with account balances 2016-01-01 15,586
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 146
2015: BREAD FINANCIAL 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 15,264
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 13,796
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 3,771
Total of all active and inactive participants 2015-01-01 17,567
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 34
Total participants 2015-01-01 17,601
Number of participants with account balances 2015-01-01 15,138
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 845
2014: BREAD FINANCIAL 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 12,353
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 12,800
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 2,438
Total of all active and inactive participants 2014-01-01 15,238
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 25
Total participants 2014-01-01 15,263
Number of participants with account balances 2014-01-01 11,756
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 429
2013: BREAD FINANCIAL 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 10,976
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 10,286
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 2,048
Total of all active and inactive participants 2013-01-01 12,334
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 19
Total participants 2013-01-01 12,353
Number of participants with account balances 2013-01-01 10,404
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 130
2012: BREAD FINANCIAL 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 8,454
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 8,727
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 2,238
Total of all active and inactive participants 2012-01-01 10,965
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 11
Total participants 2012-01-01 10,976
Number of participants with account balances 2012-01-01 8,431
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 517
2011: BREAD FINANCIAL 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 7,707
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 6,255
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 2,198
Total of all active and inactive participants 2011-01-01 8,453
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 8,453
Number of participants with account balances 2011-01-01 7,365
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 111
2009: BREAD FINANCIAL 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 8,069
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 7,941
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 1,936
Total of all active and inactive participants 2009-01-01 9,877
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 9,877
Number of participants with account balances 2009-01-01 6,360
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 206

Measure	Date	Value
2022: BREAD FINANCIAL 401(K) PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	12,385
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	7,094
Number of retired or separated participants receiving benefits	2022-01-01	5
Number of other retired or separated participants entitled to future benefits	2022-01-01	5,943
Total of all active and inactive participants	2022-01-01	13,042
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	22
Total participants	2022-01-01	13,064
Number of participants with account balances	2022-01-01	10,800
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	0
2021: BREAD FINANCIAL 401(K) PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	13,566
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	5,717
Number of retired or separated participants receiving benefits	2021-01-01	5
Number of other retired or separated participants entitled to future benefits	2021-01-01	6,535
Total of all active and inactive participants	2021-01-01	12,257
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	25
Total participants	2021-01-01	12,282
Number of participants with account balances	2021-01-01	11,106
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: BREAD FINANCIAL 401(K) PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	15,610
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	6,695
Number of retired or separated participants receiving benefits	2020-01-01	0
Number of other retired or separated participants entitled to future benefits	2020-01-01	7,148
Total of all active and inactive participants	2020-01-01	13,843
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	51
Total participants	2020-01-01	13,894
Number of participants with account balances	2020-01-01	12,085
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	7
2019: BREAD FINANCIAL 401(K) PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	20,130
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	7,478
Number of retired or separated participants receiving benefits	2019-01-01	0
Number of other retired or separated participants entitled to future benefits	2019-01-01	8,090
Total of all active and inactive participants	2019-01-01	15,568
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	42
Total participants	2019-01-01	15,610
Number of participants with account balances	2019-01-01	13,686
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	1
2018: BREAD FINANCIAL 401(K) PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	21,041
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	15,977
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	4,098
Total of all active and inactive participants	2018-01-01	20,075
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	55
Total participants	2018-01-01	20,130
Number of participants with account balances	2018-01-01	16,327
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	4
2017: BREAD FINANCIAL 401(K) PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	18,208
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	16,335
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	4,664
Total of all active and inactive participants	2017-01-01	20,999
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	42
Total participants	2017-01-01	21,041
Number of participants with account balances	2017-01-01	16,710
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	7
2016: BREAD FINANCIAL 401(K) PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	17,601
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	14,533
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	3,645
Total of all active and inactive participants	2016-01-01	18,178
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	30
Total participants	2016-01-01	18,208
Number of participants with account balances	2016-01-01	15,586
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	146
2015: BREAD FINANCIAL 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	15,264
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	13,796
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	3,771
Total of all active and inactive participants	2015-01-01	17,567
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	34
Total participants	2015-01-01	17,601
Number of participants with account balances	2015-01-01	15,138
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	845
2014: BREAD FINANCIAL 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	12,353
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	12,800
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	2,438
Total of all active and inactive participants	2014-01-01	15,238
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	25
Total participants	2014-01-01	15,263
Number of participants with account balances	2014-01-01	11,756
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	429
2013: BREAD FINANCIAL 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	10,976
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	10,286
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	2,048
Total of all active and inactive participants	2013-01-01	12,334
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	19
Total participants	2013-01-01	12,353
Number of participants with account balances	2013-01-01	10,404
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	130
2012: BREAD FINANCIAL 401(K) PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	8,454
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	8,727
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	2,238
Total of all active and inactive participants	2012-01-01	10,965
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	11
Total participants	2012-01-01	10,976
Number of participants with account balances	2012-01-01	8,431
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	517
2011: BREAD FINANCIAL 401(K) PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	7,707
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	6,255
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	2,198
Total of all active and inactive participants	2011-01-01	8,453
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	8,453
Number of participants with account balances	2011-01-01	7,365
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	111
2009: BREAD FINANCIAL 401(K) PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	8,069
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	7,941
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	1,936
Total of all active and inactive participants	2009-01-01	9,877
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	9,877
Number of participants with account balances	2009-01-01	6,360
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	206

Financial Data on BREAD FINANCIAL 401(K) PLAN

Measure	Date	Value
2022 : BREAD FINANCIAL 401(K) PLAN 2022 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2022-12-31	$-4,318,490
Total unrealized appreciation/depreciation of assets	2022-12-31	$-4,318,490
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$196,030
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$790,349
Total income from all sources (including contributions)	2022-12-31	$-108,665,321
Total loss/gain on sale of assets	2022-12-31	$-2,149,972
Total of all expenses incurred	2022-12-31	$94,597,709
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$93,757,142
Expenses. Certain deemed distributions of participant loans	2022-12-31	$141,500
Value of total corrective distributions	2022-12-31	$8,493
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$59,280,353
Value of total assets at end of year	2022-12-31	$783,951,975
Value of total assets at beginning of year	2022-12-31	$987,809,324
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$690,574
Total interest from all sources	2022-12-31	$525,309
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$5,755,894
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2022-12-31	$5,612,173
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$31,654,221
Participant contributions at end of year	2022-12-31	$8,735,340
Participant contributions at beginning of year	2022-12-31	$8,850,758
Participant contributions at end of year	2022-12-31	$24,872
Assets. Other investments not covered elsewhere at end of year	2022-12-31	$13,313,291
Assets. Other investments not covered elsewhere at beginning of year	2022-12-31	$15,584,316
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$9,657,558
Value of other receiveables (less allowance for doubtful accounts) at end of year	2022-12-31	$8,931
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2022-12-31	$146,447
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2022-12-31	$10,073
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2022-12-31	$98,089
Other income not declared elsewhere	2022-12-31	$-3,356,147
Administrative expenses (other) incurred	2022-12-31	$-5,665
Liabilities. Value of operating payables at end of year	2022-12-31	$100,036
Liabilities. Value of operating payables at beginning of year	2022-12-31	$53,745
Total non interest bearing cash at end of year	2022-12-31	$5,982
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-203,263,030
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$783,755,945
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$987,018,975
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Investment advisory and management fees	2022-12-31	$192,489
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$170,394,686
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$216,992,871
Interest on participant loans	2022-12-31	$525,309
Value of interest in common/collective trusts at end of year	2022-12-31	$583,123,787
Value of interest in common/collective trusts at beginning of year	2022-12-31	$732,738,482
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-41,074,649
Net investment gain or loss from common/collective trusts	2022-12-31	$-123,327,619
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Assets. Invements in employer securities at end of year	2022-12-31	$6,837,650
Assets. Invements in employer securities at beginning of year	2022-12-31	$10,898,673
Contributions received in cash from employer	2022-12-31	$17,968,574
Employer contributions (assets) at end of year	2022-12-31	$1,507,436
Employer contributions (assets) at beginning of year	2022-12-31	$723,260
Income. Dividends from common stock	2022-12-31	$143,721
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$93,757,142
Contract administrator fees	2022-12-31	$503,750
Assets. Corporate common stocks other than exployer securities at beginning of year	2022-12-31	$1,874,517
Liabilities. Value of benefit claims payable at end of year	2022-12-31	$85,921
Liabilities. Value of benefit claims payable at beginning of year	2022-12-31	$638,515
Did the plan have assets held for investment	2022-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Aggregate proceeds on sale of assets	2022-12-31	$1,778,996
Aggregate carrying amount (costs) on sale of assets	2022-12-31	$3,928,968
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2022-12-31	522370901
2021 : BREAD FINANCIAL 401(K) PLAN 2021 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2021-12-31	$-2,472,522
Total unrealized appreciation/depreciation of assets	2021-12-31	$-2,472,522
Total transfer of assets to this plan	2021-12-31	$2,624,144
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$790,349
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$1,859,778
Total income from all sources (including contributions)	2021-12-31	$175,070,726
Total loss/gain on sale of assets	2021-12-31	$138,773
Total of all expenses incurred	2021-12-31	$155,332,485
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$154,475,742
Expenses. Certain deemed distributions of participant loans	2021-12-31	$117,804
Value of total corrective distributions	2021-12-31	$2,705
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$48,559,827
Value of total assets at end of year	2021-12-31	$987,809,324
Value of total assets at beginning of year	2021-12-31	$966,516,368
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$736,234
Total interest from all sources	2021-12-31	$635,611
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$6,722,203
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$3,376,612
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2021-12-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$27,284,627
Participant contributions at end of year	2021-12-31	$8,850,758
Participant contributions at beginning of year	2021-12-31	$10,482,871
Participant contributions at beginning of year	2021-12-31	$816,025
Assets. Other investments not covered elsewhere at end of year	2021-12-31	$15,584,316
Assets. Other investments not covered elsewhere at beginning of year	2021-12-31	$15,850,786
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$5,557,294
Value of other receiveables (less allowance for doubtful accounts) at end of year	2021-12-31	$146,447
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2021-12-31	$422,203
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2021-12-31	$98,089
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2021-12-31	$508,954
Other income not declared elsewhere	2021-12-31	$2,422,924
Liabilities. Value of operating payables at end of year	2021-12-31	$53,745
Liabilities. Value of operating payables at beginning of year	2021-12-31	$149,128
Total non interest bearing cash at beginning of year	2021-12-31	$128,071
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$19,738,241
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$987,018,975
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$964,656,590
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Investment advisory and management fees	2021-12-31	$190,672
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$216,992,871
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$203,976,181
Interest on participant loans	2021-12-31	$635,611
Value of interest in common/collective trusts at end of year	2021-12-31	$732,738,482
Value of interest in common/collective trusts at beginning of year	2021-12-31	$721,348,892
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$30,566,919
Net investment gain or loss from common/collective trusts	2021-12-31	$88,496,991
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Assets. Invements in employer securities at end of year	2021-12-31	$10,898,673
Assets. Invements in employer securities at beginning of year	2021-12-31	$12,668,581
Contributions received in cash from employer	2021-12-31	$15,717,906
Employer contributions (assets) at end of year	2021-12-31	$723,260
Employer contributions (assets) at beginning of year	2021-12-31	$822,758
Income. Dividends from common stock	2021-12-31	$3,345,591
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$154,475,742
Contract administrator fees	2021-12-31	$545,562
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2021-12-31	Yes
Assets. Corporate common stocks other than exployer securities at end of year	2021-12-31	$1,874,517
Liabilities. Value of benefit claims payable at end of year	2021-12-31	$638,515
Liabilities. Value of benefit claims payable at beginning of year	2021-12-31	$1,201,696
Did the plan have assets held for investment	2021-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Aggregate proceeds on sale of assets	2021-12-31	$5,352,467
Aggregate carrying amount (costs) on sale of assets	2021-12-31	$5,213,694
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	ARY ROEPCKE MULCHAEY
Accountancy firm EIN	2021-12-31	522370901
2020 : BREAD FINANCIAL 401(K) PLAN 2020 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2020-12-31	$-1,014,676
Total unrealized appreciation/depreciation of assets	2020-12-31	$-1,014,676
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$1,859,778
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$1,971,739
Total income from all sources (including contributions)	2020-12-31	$163,567,497
Total loss/gain on sale of assets	2020-12-31	$-3,821,645
Total of all expenses incurred	2020-12-31	$155,904,960
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$157,099,599
Expenses. Certain deemed distributions of participant loans	2020-12-31	$-1,993,134
Value of total corrective distributions	2020-12-31	$4,327
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$40,066,457
Value of total assets at end of year	2020-12-31	$966,516,368
Value of total assets at beginning of year	2020-12-31	$958,965,792
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$794,168
Total interest from all sources	2020-12-31	$705,204
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$3,491,552
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2020-12-31	$3,285,833
Administrative expenses professional fees incurred	2020-12-31	$633,485
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$24,540,045
Participant contributions at end of year	2020-12-31	$10,482,871
Participant contributions at beginning of year	2020-12-31	$13,238,654
Participant contributions at end of year	2020-12-31	$816,025
Assets. Other investments not covered elsewhere at end of year	2020-12-31	$15,850,786
Assets. Other investments not covered elsewhere at beginning of year	2020-12-31	$12,944,234
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$385,605
Value of other receiveables (less allowance for doubtful accounts) at end of year	2020-12-31	$422,203
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2020-12-31	$314,633
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2020-12-31	$508,954
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2020-12-31	$276,276
Other income not declared elsewhere	2020-12-31	$4,089,127
Liabilities. Value of operating payables at end of year	2020-12-31	$149,128
Liabilities. Value of operating payables at beginning of year	2020-12-31	$203,491
Total non interest bearing cash at end of year	2020-12-31	$128,071
Total non interest bearing cash at beginning of year	2020-12-31	$71,324
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$7,662,537
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$964,656,590
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$956,994,053
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$203,976,181
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$201,757,424
Interest on participant loans	2020-12-31	$705,204
Value of interest in common/collective trusts at end of year	2020-12-31	$721,348,892
Value of interest in common/collective trusts at beginning of year	2020-12-31	$712,037,655
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$22,588,103
Net investment gain or loss from common/collective trusts	2020-12-31	$97,463,375
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	No
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Assets. Invements in employer securities at end of year	2020-12-31	$12,668,581
Assets. Invements in employer securities at beginning of year	2020-12-31	$17,752,060
Contributions received in cash from employer	2020-12-31	$15,140,807
Employer contributions (assets) at end of year	2020-12-31	$822,758
Employer contributions (assets) at beginning of year	2020-12-31	$849,808
Income. Dividends from common stock	2020-12-31	$205,719
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$157,099,599
Contract administrator fees	2020-12-31	$160,683
Liabilities. Value of benefit claims payable at end of year	2020-12-31	$1,201,696
Liabilities. Value of benefit claims payable at beginning of year	2020-12-31	$1,491,972
Did the plan have assets held for investment	2020-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Aggregate proceeds on sale of assets	2020-12-31	$6,125,418
Aggregate carrying amount (costs) on sale of assets	2020-12-31	$9,947,063
Opinion of an independent qualified public accountant for this plan	2020-12-31	Unqualified
Accountancy firm name	2020-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2020-12-31	522370901
2019 : BREAD FINANCIAL 401(K) PLAN 2019 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2019-12-31	$-5,730,394
Total unrealized appreciation/depreciation of assets	2019-12-31	$-5,730,394
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$1,971,739
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$1,003,981
Total income from all sources (including contributions)	2019-12-31	$285,346,211
Total loss/gain on sale of assets	2019-12-31	$-752,114
Total of all expenses incurred	2019-12-31	$282,157,914
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$279,077,782
Expenses. Certain deemed distributions of participant loans	2019-12-31	$1,884,362
Value of total corrective distributions	2019-12-31	$43,761
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$95,216,072
Value of total assets at end of year	2019-12-31	$958,965,792
Value of total assets at beginning of year	2019-12-31	$954,809,737
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$1,152,009
Total interest from all sources	2019-12-31	$1,018,628
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$5,095,122
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$4,656,482
Administrative expenses professional fees incurred	2019-12-31	$14,472
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$56,977,982
Participant contributions at end of year	2019-12-31	$13,238,654
Participant contributions at beginning of year	2019-12-31	$17,863,312
Assets. Other investments not covered elsewhere at end of year	2019-12-31	$12,944,234
Assets. Other investments not covered elsewhere at beginning of year	2019-12-31	$12,709,512
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$4,748,996
Value of other receiveables (less allowance for doubtful accounts) at end of year	2019-12-31	$314,633
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2019-12-31	$412,865
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2019-12-31	$276,276
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2019-12-31	$361,882
Other income not declared elsewhere	2019-12-31	$2,522,565
Liabilities. Value of operating payables at end of year	2019-12-31	$203,491
Liabilities. Value of operating payables at beginning of year	2019-12-31	$238,809
Total non interest bearing cash at end of year	2019-12-31	$71,324
Total non interest bearing cash at beginning of year	2019-12-31	$30,740
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$3,188,297
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$956,994,053
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$953,805,756
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Investment advisory and management fees	2019-12-31	$161,562
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$201,757,424
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$233,079,920
Interest on participant loans	2019-12-31	$1,018,628
Value of interest in common/collective trusts at end of year	2019-12-31	$712,037,655
Value of interest in common/collective trusts at beginning of year	2019-12-31	$661,232,540
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$49,717,154
Net investment gain or loss from common/collective trusts	2019-12-31	$138,259,178
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Assets. Invements in employer securities at end of year	2019-12-31	$17,752,060
Assets. Invements in employer securities at beginning of year	2019-12-31	$26,859,217
Contributions received in cash from employer	2019-12-31	$33,489,094
Employer contributions (assets) at end of year	2019-12-31	$849,808
Employer contributions (assets) at beginning of year	2019-12-31	$2,621,631
Income. Dividends from common stock	2019-12-31	$438,640
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$279,077,782
Contract administrator fees	2019-12-31	$975,975
Liabilities. Value of benefit claims payable at end of year	2019-12-31	$1,491,972
Liabilities. Value of benefit claims payable at beginning of year	2019-12-31	$403,290
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Aggregate proceeds on sale of assets	2019-12-31	$10,795,870
Aggregate carrying amount (costs) on sale of assets	2019-12-31	$11,547,984
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	No
Opinion of an independent qualified public accountant for this plan	2019-12-31	Unqualified
Accountancy firm name	2019-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2019-12-31	522370901
2018 : BREAD FINANCIAL 401(K) PLAN 2018 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2018-12-31	$-16,921,514
Total unrealized appreciation/depreciation of assets	2018-12-31	$-16,921,514
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$1,003,981
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$501,168
Total income from all sources (including contributions)	2018-12-31	$56,197,194
Total loss/gain on sale of assets	2018-12-31	$-1,158,379
Total of all expenses incurred	2018-12-31	$72,540,957
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$71,263,343
Expenses. Certain deemed distributions of participant loans	2018-12-31	$116,967
Value of total corrective distributions	2018-12-31	$21,253
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$134,789,982
Value of total assets at end of year	2018-12-31	$954,809,737
Value of total assets at beginning of year	2018-12-31	$970,650,687
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$1,139,394
Total interest from all sources	2018-12-31	$1,008,695
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$4,420,504
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2018-12-31	$4,014,235
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$77,162,811
Participant contributions at end of year	2018-12-31	$17,863,312
Participant contributions at beginning of year	2018-12-31	$15,655,417
Assets. Other investments not covered elsewhere at end of year	2018-12-31	$12,709,512
Assets. Other investments not covered elsewhere at beginning of year	2018-12-31	$12,573,791
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$12,028,409
Value of other receiveables (less allowance for doubtful accounts) at end of year	2018-12-31	$412,865
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2018-12-31	$247,180
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2018-12-31	$361,882
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2018-12-31	$89,944
Other income not declared elsewhere	2018-12-31	$-937,857
Liabilities. Value of operating payables at end of year	2018-12-31	$238,809
Liabilities. Value of operating payables at beginning of year	2018-12-31	$232,270
Total non interest bearing cash at end of year	2018-12-31	$30,740
Total non interest bearing cash at beginning of year	2018-12-31	$39,831
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$-16,343,763
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$953,805,756
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$970,149,519
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Investment advisory and management fees	2018-12-31	$138,592
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$233,079,920
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$224,203,420
Interest on participant loans	2018-12-31	$1,008,695
Value of interest in common/collective trusts at end of year	2018-12-31	$661,232,540
Value of interest in common/collective trusts at beginning of year	2018-12-31	$670,871,816
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-23,378,684
Net investment gain or loss from common/collective trusts	2018-12-31	$-41,625,553
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Assets. Invements in employer securities at end of year	2018-12-31	$26,859,217
Assets. Invements in employer securities at beginning of year	2018-12-31	$45,217,790
Contributions received in cash from employer	2018-12-31	$45,598,762
Employer contributions (assets) at end of year	2018-12-31	$2,621,631
Employer contributions (assets) at beginning of year	2018-12-31	$1,841,442
Income. Dividends from common stock	2018-12-31	$406,269
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$71,263,343
Contract administrator fees	2018-12-31	$1,000,802
Liabilities. Value of benefit claims payable at end of year	2018-12-31	$403,290
Liabilities. Value of benefit claims payable at beginning of year	2018-12-31	$178,954
Did the plan have assets held for investment	2018-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Aggregate proceeds on sale of assets	2018-12-31	$11,081,279
Aggregate carrying amount (costs) on sale of assets	2018-12-31	$12,239,658
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	No
Opinion of an independent qualified public accountant for this plan	2018-12-31	Unqualified
Accountancy firm name	2018-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2018-12-31	522370901
2017 : BREAD FINANCIAL 401(K) PLAN 2017 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2017-12-31	$4,761,381
Total unrealized appreciation/depreciation of assets	2017-12-31	$4,761,381
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$501,168
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$1,135,701
Total income from all sources (including contributions)	2017-12-31	$262,743,813
Total loss/gain on sale of assets	2017-12-31	$690,207
Total of all expenses incurred	2017-12-31	$55,308,231
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$54,285,668
Expenses. Certain deemed distributions of participant loans	2017-12-31	$-14,317
Value of total corrective distributions	2017-12-31	$23,608
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$122,606,291
Value of total assets at end of year	2017-12-31	$970,650,687
Value of total assets at beginning of year	2017-12-31	$763,849,638
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$1,013,272
Total interest from all sources	2017-12-31	$790,960
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$3,676,342
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$3,204,135
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$69,429,153
Participant contributions at end of year	2017-12-31	$15,655,417
Participant contributions at beginning of year	2017-12-31	$13,107,520
Assets. Other investments not covered elsewhere at end of year	2017-12-31	$12,573,791
Assets. Other investments not covered elsewhere at beginning of year	2017-12-31	$10,697,412
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$11,735,918
Value of other receiveables (less allowance for doubtful accounts) at end of year	2017-12-31	$247,180
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2017-12-31	$353,369
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2017-12-31	$89,944
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2017-12-31	$332,405
Other income not declared elsewhere	2017-12-31	$108,972
Liabilities. Value of operating payables at end of year	2017-12-31	$232,270
Liabilities. Value of operating payables at beginning of year	2017-12-31	$188,891
Total non interest bearing cash at end of year	2017-12-31	$39,831
Total non interest bearing cash at beginning of year	2017-12-31	$107,047
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$207,435,582
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$970,149,519
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$762,713,937
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Investment advisory and management fees	2017-12-31	$78,165
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$224,203,420
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$152,732,265
Interest on participant loans	2017-12-31	$790,960
Value of interest in common/collective trusts at end of year	2017-12-31	$670,871,816
Value of interest in common/collective trusts at beginning of year	2017-12-31	$541,459,122
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$30,056,657
Net investment gain or loss from common/collective trusts	2017-12-31	$100,053,003
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Assets. Invements in employer securities at end of year	2017-12-31	$45,217,790
Assets. Invements in employer securities at beginning of year	2017-12-31	$43,410,887
Contributions received in cash from employer	2017-12-31	$41,441,220
Employer contributions (assets) at end of year	2017-12-31	$1,841,442
Employer contributions (assets) at beginning of year	2017-12-31	$1,982,016
Income. Dividends from common stock	2017-12-31	$472,207
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$54,285,668
Contract administrator fees	2017-12-31	$935,107
Liabilities. Value of benefit claims payable at end of year	2017-12-31	$178,954
Liabilities. Value of benefit claims payable at beginning of year	2017-12-31	$614,405
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Aggregate proceeds on sale of assets	2017-12-31	$19,127,278
Aggregate carrying amount (costs) on sale of assets	2017-12-31	$18,437,071
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	No
Opinion of an independent qualified public accountant for this plan	2017-12-31	Unqualified
Accountancy firm name	2017-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2017-12-31	522370901
2016 : BREAD FINANCIAL 401(K) PLAN 2016 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2016-12-31	$-6,039,077
Total unrealized appreciation/depreciation of assets	2016-12-31	$-6,039,077
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$1,135,701
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$1,149,265
Total income from all sources (including contributions)	2016-12-31	$154,212,463
Total loss/gain on sale of assets	2016-12-31	$-2,459,985
Total of all expenses incurred	2016-12-31	$53,964,459
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$52,900,073
Expenses. Certain deemed distributions of participant loans	2016-12-31	$-2,059
Value of total corrective distributions	2016-12-31	$107,677
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$108,904,482
Value of total assets at end of year	2016-12-31	$763,849,638
Value of total assets at beginning of year	2016-12-31	$663,615,198
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$958,768
Total interest from all sources	2016-12-31	$660,339
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$2,517,931
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$2,344,704
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$63,743,050
Participant contributions at end of year	2016-12-31	$13,107,520
Participant contributions at beginning of year	2016-12-31	$12,377,763
Assets. Other investments not covered elsewhere at end of year	2016-12-31	$10,697,412
Assets. Other investments not covered elsewhere at beginning of year	2016-12-31	$10,496,678
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$6,668,505
Value of other receiveables (less allowance for doubtful accounts) at end of year	2016-12-31	$353,369
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2016-12-31	$316,630
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2016-12-31	$332,405
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2016-12-31	$546,732
Other income not declared elsewhere	2016-12-31	$98,030
Administrative expenses (other) incurred	2016-12-31	$958,768
Liabilities. Value of operating payables at end of year	2016-12-31	$188,891
Liabilities. Value of operating payables at beginning of year	2016-12-31	$218,042
Total non interest bearing cash at end of year	2016-12-31	$107,047
Total non interest bearing cash at beginning of year	2016-12-31	$249,358
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$100,248,004
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$762,713,937
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$662,465,933
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$152,732,265
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$117,561,910
Interest on participant loans	2016-12-31	$660,114
Value of interest in common/collective trusts at end of year	2016-12-31	$541,459,122
Value of interest in common/collective trusts at beginning of year	2016-12-31	$470,650,657
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2016-12-31	$225
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$13,915,036
Net investment gain or loss from common/collective trusts	2016-12-31	$36,615,707
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Assets. Invements in employer securities at end of year	2016-12-31	$43,410,887
Assets. Invements in employer securities at beginning of year	2016-12-31	$50,470,153
Contributions received in cash from employer	2016-12-31	$38,492,927
Employer contributions (assets) at end of year	2016-12-31	$1,982,016
Employer contributions (assets) at beginning of year	2016-12-31	$1,492,049
Income. Dividends from common stock	2016-12-31	$173,227
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$52,900,073
Liabilities. Value of benefit claims payable at end of year	2016-12-31	$614,405
Liabilities. Value of benefit claims payable at beginning of year	2016-12-31	$384,491
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Aggregate proceeds on sale of assets	2016-12-31	$17,953,713
Aggregate carrying amount (costs) on sale of assets	2016-12-31	$20,413,698
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	No
Opinion of an independent qualified public accountant for this plan	2016-12-31	Unqualified
Accountancy firm name	2016-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2016-12-31	522370901
2015 : BREAD FINANCIAL 401(K) PLAN 2015 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2015-12-31	$-1,558,661
Total unrealized appreciation/depreciation of assets	2015-12-31	$-1,558,661
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$1,149,265
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$651,076
Total income from all sources (including contributions)	2015-12-31	$113,149,592
Total loss/gain on sale of assets	2015-12-31	$49,806
Total of all expenses incurred	2015-12-31	$51,885,462
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$51,015,074
Expenses. Certain deemed distributions of participant loans	2015-12-31	$-132,511
Value of total corrective distributions	2015-12-31	$33,221
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$121,199,198
Value of total assets at end of year	2015-12-31	$663,615,198
Value of total assets at beginning of year	2015-12-31	$601,852,879
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$969,678
Total interest from all sources	2015-12-31	$630,333
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$1,783,291
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$1,783,291
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$57,563,512
Participant contributions at end of year	2015-12-31	$12,377,763
Participant contributions at beginning of year	2015-12-31	$10,413,886
Participant contributions at beginning of year	2015-12-31	$1,804,259
Assets. Other investments not covered elsewhere at end of year	2015-12-31	$10,496,678
Assets. Other investments not covered elsewhere at beginning of year	2015-12-31	$9,741,866
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$29,540,836
Value of other receiveables (less allowance for doubtful accounts) at end of year	2015-12-31	$316,630
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2015-12-31	$285,158
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2015-12-31	$546,732
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2015-12-31	$155,433
Other income not declared elsewhere	2015-12-31	$-580,727
Administrative expenses (other) incurred	2015-12-31	$969,678
Liabilities. Value of operating payables at end of year	2015-12-31	$218,042
Liabilities. Value of operating payables at beginning of year	2015-12-31	$173,940
Total non interest bearing cash at end of year	2015-12-31	$249,358
Total non interest bearing cash at beginning of year	2015-12-31	$-90,469
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$61,264,130
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$662,465,933
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$601,201,803
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$117,561,910
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$98,022,602
Interest on participant loans	2015-12-31	$630,333
Value of interest in common/collective trusts at end of year	2015-12-31	$470,650,657
Value of interest in common/collective trusts at beginning of year	2015-12-31	$420,503,394
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-3,562,114
Net investment gain or loss from common/collective trusts	2015-12-31	$-4,811,534
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Assets. Invements in employer securities at end of year	2015-12-31	$50,470,153
Assets. Invements in employer securities at beginning of year	2015-12-31	$51,584,541
Contributions received in cash from employer	2015-12-31	$34,094,850
Employer contributions (assets) at end of year	2015-12-31	$1,492,049
Employer contributions (assets) at beginning of year	2015-12-31	$9,587,642
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$51,015,074
Liabilities. Value of benefit claims payable at end of year	2015-12-31	$384,491
Liabilities. Value of benefit claims payable at beginning of year	2015-12-31	$321,703
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Aggregate proceeds on sale of assets	2015-12-31	$11,260,675
Aggregate carrying amount (costs) on sale of assets	2015-12-31	$11,210,869
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	No
Opinion of an independent qualified public accountant for this plan	2015-12-31	Unqualified
Accountancy firm name	2015-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2015-12-31	522370901
2014 : BREAD FINANCIAL 401(K) PLAN 2014 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2014-12-31	$4,205,440
Total unrealized appreciation/depreciation of assets	2014-12-31	$4,205,440
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$651,076
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$11,013,835
Total income from all sources (including contributions)	2014-12-31	$124,936,221
Total loss/gain on sale of assets	2014-12-31	$30,595
Total of all expenses incurred	2014-12-31	$34,041,052
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$33,046,613
Expenses. Certain deemed distributions of participant loans	2014-12-31	$128,848
Value of total corrective distributions	2014-12-31	$70,921
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$86,899,370
Value of total assets at end of year	2014-12-31	$601,852,879
Value of total assets at beginning of year	2014-12-31	$521,320,469
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$794,670
Total interest from all sources	2014-12-31	$487,406
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$1,310,335
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$1,310,335
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$45,390,251
Participant contributions at end of year	2014-12-31	$10,413,886
Participant contributions at beginning of year	2014-12-31	$9,058,338
Participant contributions at end of year	2014-12-31	$1,804,259
Participant contributions at beginning of year	2014-12-31	$0
Assets. Other investments not covered elsewhere at end of year	2014-12-31	$9,741,866
Assets. Other investments not covered elsewhere at beginning of year	2014-12-31	$8,499,362
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$6,287,567
Value of other receiveables (less allowance for doubtful accounts) at end of year	2014-12-31	$285,158
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2014-12-31	$9,416,484
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2014-12-31	$155,433
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2014-12-31	$10,859,683
Other income not declared elsewhere	2014-12-31	$186,723
Administrative expenses (other) incurred	2014-12-31	$794,670
Liabilities. Value of operating payables at end of year	2014-12-31	$173,940
Liabilities. Value of operating payables at beginning of year	2014-12-31	$154,152
Total non interest bearing cash at end of year	2014-12-31	$-90,469
Total non interest bearing cash at beginning of year	2014-12-31	$1,813,805
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$90,895,169
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$601,201,803
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$510,306,634
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$98,022,602
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$76,072,732
Interest on participant loans	2014-12-31	$487,406
Value of interest in common/collective trusts at end of year	2014-12-31	$420,503,394
Value of interest in common/collective trusts at beginning of year	2014-12-31	$360,902,139
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$4,726,153
Net investment gain or loss from common/collective trusts	2014-12-31	$27,090,199
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Assets. Invements in employer securities at end of year	2014-12-31	$51,584,541
Assets. Invements in employer securities at beginning of year	2014-12-31	$45,057,788
Contributions received in cash from employer	2014-12-31	$35,221,552
Employer contributions (assets) at end of year	2014-12-31	$9,587,642
Employer contributions (assets) at beginning of year	2014-12-31	$10,499,821
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$33,046,613
Liabilities. Value of benefit claims payable at end of year	2014-12-31	$321,703
Liabilities. Value of benefit claims payable at beginning of year	2014-12-31	$0
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Aggregate proceeds on sale of assets	2014-12-31	$10,012,107
Aggregate carrying amount (costs) on sale of assets	2014-12-31	$9,981,512
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	No
Opinion of an independent qualified public accountant for this plan	2014-12-31	Unqualified
Accountancy firm name	2014-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2014-12-31	522370901
2013 : BREAD FINANCIAL 401(K) PLAN 2013 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2013-12-31	$16,462,619
Total unrealized appreciation/depreciation of assets	2013-12-31	$16,462,619
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$11,013,835
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$480,273
Total income from all sources (including contributions)	2013-12-31	$178,568,605
Total loss/gain on sale of assets	2013-12-31	$2,878,430
Total of all expenses incurred	2013-12-31	$28,347,681
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$27,685,849
Expenses. Certain deemed distributions of participant loans	2013-12-31	$-50,874
Value of total corrective distributions	2013-12-31	$17,244
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$86,771,647
Value of total assets at end of year	2013-12-31	$521,320,469
Value of total assets at beginning of year	2013-12-31	$360,565,983
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$695,462
Total interest from all sources	2013-12-31	$410,856
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$983,081
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$983,081
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$37,547,548
Participant contributions at end of year	2013-12-31	$9,058,338
Participant contributions at beginning of year	2013-12-31	$6,265,829
Participant contributions at end of year	2013-12-31	$0
Participant contributions at beginning of year	2013-12-31	$180,218
Assets. Other investments not covered elsewhere at end of year	2013-12-31	$8,499,362
Assets. Other investments not covered elsewhere at beginning of year	2013-12-31	$6,759,565
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$21,247,605
Value of other receiveables (less allowance for doubtful accounts) at end of year	2013-12-31	$9,416,484
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2013-12-31	$264,636
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2013-12-31	$10,859,683
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2013-12-31	$124,077
Other income not declared elsewhere	2013-12-31	$1,280,548
Administrative expenses (other) incurred	2013-12-31	$695,462
Liabilities. Value of operating payables at end of year	2013-12-31	$154,152
Liabilities. Value of operating payables at beginning of year	2013-12-31	$281,385
Total non interest bearing cash at end of year	2013-12-31	$1,813,805
Total non interest bearing cash at beginning of year	2013-12-31	$135,458
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$150,220,924
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$510,306,634
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$360,085,710
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$76,072,732
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$303,608,858
Interest on participant loans	2013-12-31	$410,856
Value of interest in common/collective trusts at end of year	2013-12-31	$360,902,139
Value of interest in common/collective trusts at beginning of year	2013-12-31	$10,618,284
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$43,963,083
Net investment gain or loss from common/collective trusts	2013-12-31	$25,818,341
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Assets. Invements in employer securities at end of year	2013-12-31	$45,057,788
Assets. Invements in employer securities at beginning of year	2013-12-31	$21,686,351
Contributions received in cash from employer	2013-12-31	$27,976,494
Employer contributions (assets) at end of year	2013-12-31	$10,499,821
Employer contributions (assets) at beginning of year	2013-12-31	$11,046,784
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$27,685,849
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2013-12-31	Yes
Liabilities. Value of benefit claims payable at end of year	2013-12-31	$0
Liabilities. Value of benefit claims payable at beginning of year	2013-12-31	$74,811
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Aggregate proceeds on sale of assets	2013-12-31	$5,658,930
Aggregate carrying amount (costs) on sale of assets	2013-12-31	$2,780,500
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	No
Opinion of an independent qualified public accountant for this plan	2013-12-31	Unqualified
Accountancy firm name	2013-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2013-12-31	522370901
2012 : BREAD FINANCIAL 401(K) PLAN 2012 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2012-12-31	$5,694,541
Total unrealized appreciation/depreciation of assets	2012-12-31	$5,694,541
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$480,273
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$1,592,797
Total income from all sources (including contributions)	2012-12-31	$101,799,421
Total loss/gain on sale of assets	2012-12-31	$273,069
Total of all expenses incurred	2012-12-31	$39,487,593
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$38,912,245
Expenses. Certain deemed distributions of participant loans	2012-12-31	$-32,385
Value of total corrective distributions	2012-12-31	$23,587
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$57,343,881
Value of total assets at end of year	2012-12-31	$360,565,983
Value of total assets at beginning of year	2012-12-31	$299,366,679
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$584,146
Total interest from all sources	2012-12-31	$316,978
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$6,867,817
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$6,867,817
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2012-12-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$27,752,147
Participant contributions at end of year	2012-12-31	$6,265,829
Participant contributions at beginning of year	2012-12-31	$5,786,313
Participant contributions at end of year	2012-12-31	$180,218
Assets. Other investments not covered elsewhere at end of year	2012-12-31	$6,759,565
Assets. Other investments not covered elsewhere at beginning of year	2012-12-31	$5,489,828
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$5,351,928
Value of other receiveables (less allowance for doubtful accounts) at end of year	2012-12-31	$264,636
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2012-12-31	$299,049
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2012-12-31	$124,077
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2012-12-31	$133,286
Other income not declared elsewhere	2012-12-31	$945,504
Administrative expenses (other) incurred	2012-12-31	$584,146
Liabilities. Value of operating payables at end of year	2012-12-31	$281,385
Liabilities. Value of operating payables at beginning of year	2012-12-31	$1,311,236
Total non interest bearing cash at end of year	2012-12-31	$135,458
Total non interest bearing cash at beginning of year	2012-12-31	$1,320,150
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$62,311,828
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$360,085,710
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$297,773,882
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$303,608,858
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$216,688,555
Interest on participant loans	2012-12-31	$316,978
Value of interest in common/collective trusts at end of year	2012-12-31	$10,618,284
Value of interest in common/collective trusts at beginning of year	2012-12-31	$46,234,110
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$271
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$271
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$29,973,313
Net investment gain or loss from common/collective trusts	2012-12-31	$384,318
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Assets. Invements in employer securities at end of year	2012-12-31	$21,686,351
Assets. Invements in employer securities at beginning of year	2012-12-31	$14,689,414
Contributions received in cash from employer	2012-12-31	$24,239,806
Employer contributions (assets) at end of year	2012-12-31	$11,046,784
Employer contributions (assets) at beginning of year	2012-12-31	$8,858,989
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$38,912,245
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2012-12-31	Yes
Liabilities. Value of benefit claims payable at end of year	2012-12-31	$74,811
Liabilities. Value of benefit claims payable at beginning of year	2012-12-31	$148,275
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Aggregate proceeds on sale of assets	2012-12-31	$4,009,326
Aggregate carrying amount (costs) on sale of assets	2012-12-31	$3,736,257
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	No
Opinion of an independent qualified public accountant for this plan	2012-12-31	Unqualified
Accountancy firm name	2012-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2012-12-31	522370901
2011 : BREAD FINANCIAL 401(K) PLAN 2011 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2011-12-31	$3,587,397
Total unrealized appreciation/depreciation of assets	2011-12-31	$3,587,397
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$1,592,797
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$1,166,111
Total income from all sources (including contributions)	2011-12-31	$53,659,806
Total loss/gain on sale of assets	2011-12-31	$993,269
Total of all expenses incurred	2011-12-31	$21,945,203
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$21,307,888
Expenses. Certain deemed distributions of participant loans	2011-12-31	$1,114
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$55,504,123
Value of total assets at end of year	2011-12-31	$299,366,679
Value of total assets at beginning of year	2011-12-31	$267,225,390
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$636,201
Total interest from all sources	2011-12-31	$289,164
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$3,336,100
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$3,336,100
Administrative expenses professional fees incurred	2011-12-31	$48,106
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	Yes
Amount of non-exempt transactions with any party-in-interest	2011-12-31	$233,959
Contributions received from participants	2011-12-31	$22,876,185
Participant contributions at end of year	2011-12-31	$5,786,313
Participant contributions at beginning of year	2011-12-31	$4,551,857
Participant contributions at beginning of year	2011-12-31	$363,392
Assets. Other investments not covered elsewhere at end of year	2011-12-31	$5,489,828
Assets. Other investments not covered elsewhere at beginning of year	2011-12-31	$4,370,641
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$12,884,378
Value of other receiveables (less allowance for doubtful accounts) at end of year	2011-12-31	$299,049
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2011-12-31	$168,729
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2011-12-31	$133,286
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2011-12-31	$45,254
Other income not declared elsewhere	2011-12-31	$2,939,732
Administrative expenses (other) incurred	2011-12-31	$0
Liabilities. Value of operating payables at end of year	2011-12-31	$1,311,236
Liabilities. Value of operating payables at beginning of year	2011-12-31	$1,020,278
Total non interest bearing cash at end of year	2011-12-31	$1,320,150
Total non interest bearing cash at beginning of year	2011-12-31	$1,036,652
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$31,714,603
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$297,773,882
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$266,059,279
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$216,688,555
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$203,039,220
Interest on participant loans	2011-12-31	$289,164
Value of interest in common/collective trusts at end of year	2011-12-31	$46,234,110
Value of interest in common/collective trusts at beginning of year	2011-12-31	$40,726,601
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$271
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$611
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$611
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-14,045,383
Net investment gain or loss from common/collective trusts	2011-12-31	$1,055,404
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Assets. Invements in employer securities at end of year	2011-12-31	$14,689,414
Assets. Invements in employer securities at beginning of year	2011-12-31	$9,857,330
Contributions received in cash from employer	2011-12-31	$19,743,560
Employer contributions (assets) at end of year	2011-12-31	$8,858,989
Employer contributions (assets) at beginning of year	2011-12-31	$3,110,357
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$21,307,888
Contract administrator fees	2011-12-31	$588,095
Liabilities. Value of benefit claims payable at end of year	2011-12-31	$148,275
Liabilities. Value of benefit claims payable at beginning of year	2011-12-31	$100,579
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Aggregate proceeds on sale of assets	2011-12-31	$2,604,401
Aggregate carrying amount (costs) on sale of assets	2011-12-31	$1,611,132
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	No
Opinion of an independent qualified public accountant for this plan	2011-12-31	Unqualified
Accountancy firm name	2011-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2011-12-31	522370901
2010 : BREAD FINANCIAL 401(K) PLAN 2010 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$478,525
Total unrealized appreciation/depreciation of assets	2010-12-31	$478,525
Total transfer of assets to this plan	2010-12-31	$1,065,339
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$1,166,111
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$1,992,820
Total income from all sources (including contributions)	2010-12-31	$60,137,776
Total loss/gain on sale of assets	2010-12-31	$553,620
Total of all expenses incurred	2010-12-31	$22,703,769
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$22,089,109
Expenses. Certain deemed distributions of participant loans	2010-12-31	$-7,113
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$32,617,009
Value of total assets at end of year	2010-12-31	$267,225,390
Value of total assets at beginning of year	2010-12-31	$229,552,753
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$621,773
Total interest from all sources	2010-12-31	$283,249
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$4,359,808
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$4,359,808
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$18,328,152
Participant contributions at end of year	2010-12-31	$4,551,857
Participant contributions at beginning of year	2010-12-31	$4,154,972
Participant contributions at end of year	2010-12-31	$363,392
Participant contributions at beginning of year	2010-12-31	$256,153
Assets. Other investments not covered elsewhere at end of year	2010-12-31	$4,370,641
Assets. Other investments not covered elsewhere at beginning of year	2010-12-31	$3,971,536
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$2,804,760
Value of other receiveables (less allowance for doubtful accounts) at end of year	2010-12-31	$168,729
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2010-12-31	$1,106,947
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2010-12-31	$45,254
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2010-12-31	$0
Other income not declared elsewhere	2010-12-31	$1,060,064
Liabilities. Value of operating payables at end of year	2010-12-31	$1,020,278
Liabilities. Value of operating payables at beginning of year	2010-12-31	$1,083,658
Total non interest bearing cash at end of year	2010-12-31	$1,036,652
Total non interest bearing cash at beginning of year	2010-12-31	$856,294
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$37,434,007
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$266,059,279
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$227,559,933
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$203,039,220
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$172,632,042
Interest on participant loans	2010-12-31	$283,249
Value of interest in common/collective trusts at end of year	2010-12-31	$40,726,601
Value of interest in common/collective trusts at beginning of year	2010-12-31	$36,830,388
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$611
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$5,784
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$5,784
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$19,105,914
Net investment gain or loss from common/collective trusts	2010-12-31	$1,679,587
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Assets. Invements in employer securities at end of year	2010-12-31	$9,857,330
Assets. Invements in employer securities at beginning of year	2010-12-31	$9,278,224
Contributions received in cash from employer	2010-12-31	$11,484,097
Employer contributions (assets) at end of year	2010-12-31	$3,110,357
Employer contributions (assets) at beginning of year	2010-12-31	$460,413
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$22,089,109
Contract administrator fees	2010-12-31	$621,773
Liabilities. Value of benefit claims payable at end of year	2010-12-31	$100,579
Liabilities. Value of benefit claims payable at beginning of year	2010-12-31	$909,162
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Aggregate proceeds on sale of assets	2010-12-31	$2,196,484
Aggregate carrying amount (costs) on sale of assets	2010-12-31	$1,642,864
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	No
Opinion of an independent qualified public accountant for this plan	2010-12-31	Unqualified
Accountancy firm name	2010-12-31	ARY ROEPCKE MULCHAEY, P.C.
Accountancy firm EIN	2010-12-31	522370901
2009 : BREAD FINANCIAL 401(K) PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for BREAD FINANCIAL 401(K) PLAN

2022: BREAD FINANCIAL 401(K) PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: BREAD FINANCIAL 401(K) PLAN 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: BREAD FINANCIAL 401(K) PLAN 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: BREAD FINANCIAL 401(K) PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: BREAD FINANCIAL 401(K) PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: BREAD FINANCIAL 401(K) PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: BREAD FINANCIAL 401(K) PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: BREAD FINANCIAL 401(K) PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: BREAD FINANCIAL 401(K) PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	Yes
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: BREAD FINANCIAL 401(K) PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	Yes
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: BREAD FINANCIAL 401(K) PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: BREAD FINANCIAL 401(K) PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: BREAD FINANCIAL 401(K) PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	BREAD FINANCIAL PAYMENTS, INC.
Employer identification number (EIN):	133163498
NAIC Classification:	522298
NAIC Description:	All Other Nondepository Credit Intermediation

Jurisdiction of Incorporation:	Texas Secretary of State
Incorporation Date:	1984-03-16
Company Identification Number:	0006154806
Legal Registered Office Address:	3095 LOYALTY CIR COLUMBUS United States of America (USA) 43219