Synchrony Financial 401(k) Plan: Login, Facts & Contact Information
Synchrony Financial 401(k) Login
2,044 former Synchrony Financial employees still have money in this plan.
Retirement plan providers can change. This information is from the plan's 2024 filing.
Synchrony Financial 401(k) Plan Facts
Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 14, 2025. Public filing with the U.S. Department of Labor.
Money in and out in plan year 2024
- $199.2 million went into the plan in contributions, $86.6 million of it from the employer (44%).
- $123.7 million was paid out to participants.
- Investment and other income added $206.8 million.
- Administrative expenses were $388,040, about $31 per account.
How the Synchrony Financial 401(k) changed, 2019–2024
| Plan year | Participants | Plan assets | Employer contributions | Benefits paid |
|---|---|---|---|---|
| 2019 | 14,859 | $668.5 million | $69.7 million | $39.6 million |
| 2020 | 11,499 | $879.2 million | $70.5 million | $57.2 million |
| 2021 | 11,422 | $1.08 billion | $71.0 million | $73.0 million |
| 2022 | 12,920 | $969.4 million | $78.4 million | $60.6 million |
| 2023 | 12,398 | $1.28 billion | $87.5 million | $74.2 million |
| 2024 | 12,774 | $1.56 billion | $86.6 million | $123.7 million |
Synchrony Financial 401(k) Contact Information
Questions about the Synchrony Financial 401(k)
Does Synchrony Financial contribute to the 401(k)?
Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $86.6 million, 44% of all contributions.
Does the Synchrony Financial 401(k) have automatic enrollment?
Yes. The plan reports automatic enrollment of eligible employees.
How many people are in the Synchrony Financial 401(k) plan?
12,774 participants at the start of plan year 2024, 10,687 of them active employees, and 2,044 former employees who still had money in the plan.
What is the average 401(k) balance at Synchrony Financial?
About $123,093 per account: $1.56 billion in plan assets across 12,707 accounts with a balance at the end of plan year 2024.
Who manages the Synchrony Financial 401(k) accounts?
Fidelity NetBenefits (listed on the filing as FIDELITY INVESTMENTS INSTITUTIONAL) is the plan's recordkeeper, which is where participants log in to see their balance.
I no longer work at Synchrony Financial. How do I access my 401(k)?
Your account stays with Fidelity NetBenefits 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.