Ads Alliance Data Systems, Inc. 401(k) Plan: Login, Facts & Contact Information

Ads Alliance Data Systems, Inc. 401(k) Plan Facts

Plan name
BREAD FINANCIAL 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
BREAD FINANCIAL PAYMENTS, INC. · formerly Ads Alliance Data Systems, Inc.
Participants
11,087 (4,992 active employees)
Former employees with a balance
3,723
Plan assets
$932,129,730 at Dec 31, 2024
Average account balance
$104,569 across 8,914 accounts
Employer contributions
$29,435,691 in plan year 2024 (40% of all contributions)
Recordkeeper
T Rowe Price Rps Inc
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 24, 1996
✓ Employer contributions— Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments✓ Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 9, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $74.4 million went into the plan in contributions, $29.4 million of it from the employer (40%).
  • $79.7 million was paid out to participants.
  • Investment and other income added $114.1 million.
  • Administrative expenses were $41,851, about $5 per account.

How the Ads Alliance Data Systems, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
201920,130$959.0 million$33.5 million$279.1 million
202015,610$966.5 million$15.1 million$157.1 million
202113,566$987.8 million$15.7 million$154.5 million
202212,385$784.0 million$18.0 million$93.8 million
202313,064$823.7 million$29.6 million$166.3 million
202411,087$932.1 million$29.4 million$79.7 million

Ads Alliance Data Systems, Inc. 401(k) Contact Information

Phone
614-729-4000
Mailing address
3095 LOYALTY CIRCLE, COLUMBUS OH 43219
Plan sponsor
BREAD FINANCIAL PAYMENTS, INC.
Employer identification number (EIN)
13-3163498
Plan number
001

Questions about the Ads Alliance Data Systems, Inc. 401(k)

Does Ads Alliance Data Systems, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $29.4 million, 40% of all contributions.

Does the Ads Alliance Data Systems, Inc 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Ads Alliance Data Systems, Inc 401(k) plan?

11,087 participants at the start of plan year 2024, 4,992 of them active employees, and 3,723 former employees who still had money in the plan.

What is the average 401(k) balance at Ads Alliance Data Systems, Inc?

About $104,569 per account: $932.1 million in plan assets across 8,914 accounts with a balance at the end of plan year 2024.

Who manages the Ads Alliance Data Systems, Inc 401(k) accounts?

T. Rowe Price (listed on the filing as T ROWE PRICE RPS INC) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Ads Alliance Data Systems, Inc. How do I access my 401(k)?

Your account stays with T. Rowe Price after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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