Civic Intelligence

Bread Financial Payments Inc Employee Benefits Trust

EIN 91-1815338 • 501(c)9 • Columbus, OH

Profile

Providing of medical, disability, and severance under plans of the employer-sponsor

3075 Loyalty CircleColumbus, OH 43219

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

93rd percentile

0.72x

Higher debt load relative to assets than 93% of similar nonprofits.

501(c)9 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

60th percentile

0.10x

Higher debt load relative to revenue than 60% of similar nonprofits.

501(c)9 • $50M-$100M nonprofits • Source year 2024

Net Margin

40th percentile

1.1%

Higher net margin than 40% of similar nonprofits.

501(c)9 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

50th percentile

$17,500

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)9 • $50M-$100M nonprofits • Source year 2024

Asset Growth

37th percentile

3.3%

Faster asset growth than 37% of similar nonprofits.

501(c)9 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

18th percentile

-3.9%

Faster revenue growth than 18% of similar nonprofits.

501(c)9 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$11,618,676

Up $372,220 (+3.3%) from 2023

Liabilities

Down

$8,312,580

Down $566,516 (-6.4%) from 2023

Net Assets

Up

$3,306,096

Up $938,736 (+40%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin40th percentile

Revenue

Down

$81,649,728

Down $3,277,744 (-3.9%) from 2023

Expenses

Down

$80,710,992

Down $4,678,341 (-5.5%) from 2023

Net Income

Up

$938,736

Up $1,400,597 (+303%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth37th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0-$10MAssets 2011: $8,353,115Liabilities 2011: $6,406,338Net Assets 2011: $1,946,7772011Assets 2012: $9,666,164Liabilities 2012: $6,265,536Net Assets 2012: $3,400,6282012Assets 2013: $7,495,728Liabilities 2013: $9,756,104Net Assets 2013: -$2,260,3762013Assets 2014: $13,171,529Liabilities 2014: $13,291,771Net Assets 2014: -$120,2422014Assets 2015: $18,445,122Liabilities 2015: $14,336,160Net Assets 2015: $4,108,9622015Assets 2016: $20,961,045Liabilities 2016: $15,381,728Net Assets 2016: $5,579,3172016Assets 2017: $25,164,770Liabilities 2017: $16,451,592Net Assets 2017: $8,713,1782017Assets 2018: $26,844,289Liabilities 2018: $18,877,954Net Assets 2018: $7,966,3352018Assets 2019: $18,298,985Liabilities 2019: $18,146,985Net Assets 2019: $152,0002019Assets 2020: $17,387,054Liabilities 2020: $9,283,110Net Assets 2020: $8,103,9442020Assets 2021: $17,341,004Liabilities 2021: $8,508,702Net Assets 2021: $8,832,3022021Assets 2022: $10,265,111Liabilities 2022: $7,435,890Net Assets 2022: $2,829,2212022Assets 2023: $11,246,456Liabilities 2023: $8,879,096Net Assets 2023: $2,367,3602023Assets 2024: $11,618,676Liabilities 2024: $8,312,580Net Assets 2024: $3,306,0962024

Highlighted filing

2024

Assets$11,618,676
Liabilities$8,312,580
Net Assets$3,306,096
Open 2024 Filing

Operations Trend

Revenue Growth18th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200M$150M$100M$50M$0-$50MRevenue 2011: $45,298,377Expenses 2011: $47,139,895Net Income 2011: -$1,841,5182011Revenue 2012: $58,769,763Expenses 2012: $57,315,912Net Income 2012: $1,453,8512012Revenue 2013: $71,435,897Expenses 2013: $77,096,901Net Income 2013: -$5,661,0042013Revenue 2014: $101,301,251Expenses 2014: $99,161,117Net Income 2014: $2,140,1342014Revenue 2015: $117,534,789Expenses 2015: $113,305,585Net Income 2015: $4,229,2042015Revenue 2016: $130,101,220Expenses 2016: $128,630,865Net Income 2016: $1,470,3552016Revenue 2017: $148,700,598Expenses 2017: $145,566,737Net Income 2017: $3,133,8612017Revenue 2018: $159,776,230Expenses 2018: $160,523,073Net Income 2018: -$746,8432018Revenue 2019: $145,289,240Expenses 2019: $153,103,575Net Income 2019: -$7,814,3352019Revenue 2020: $92,461,212Expenses 2020: $84,509,268Net Income 2020: $7,951,9442020Revenue 2021: $79,868,187Expenses 2021: $79,139,829Net Income 2021: $728,3582021Revenue 2022: $67,020,338Expenses 2022: $73,023,419Net Income 2022: -$6,003,0812022Revenue 2023: $84,927,472Expenses 2023: $85,389,333Net Income 2023: -$461,8612023Revenue 2024: $81,649,728Expenses 2024: $80,710,992Net Income 2024: $938,7362024

Highlighted filing

2024

Revenue$81,649,728
Expenses$80,710,992
Net Income$938,736
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$11,618,676
Liabilities
$8,312,580
Net assets
$3,306,096
Revenue
$81,649,728
Expenses
$80,710,992
Net income
$938,736
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$8.31$3.31$81.6$80.7$0.94
2023Detailed filing. Detailed filing data is available for this year.$11.2$8.88$2.37$84.9$85.4$0.46
2022Detailed filing. Detailed filing data is available for this year.$10.3$7.44$2.83$67.0$73.0$6.00
2021Detailed filing. Detailed filing data is available for this year.$17.3$8.51$8.83$79.9$79.1$0.73
2020Detailed filing. Detailed filing data is available for this year.$17.4$9.28$8.10$92.5$84.5$7.95
2019Detailed filing. Detailed filing data is available for this year.$18.3$18.1$0.15$145$153$7.81
2018Summary only. Only limited summary data is available for this year.$26.8$18.9$7.97$160$161$0.75
2017Summary only. Only limited summary data is available for this year.$25.2$16.5$8.71$149$146$3.13
2016Summary only. Only limited summary data is available for this year.$21.0$15.4$5.58$130$129$1.47
2015Summary only. Only limited summary data is available for this year.$18.4$14.3$4.11$118$113$4.23
2014Summary only. Only limited summary data is available for this year.$13.2$13.3$0.12$101$99.2$2.14
2013Summary only. Only limited summary data is available for this year.$7.50$9.76$2.26$71.4$77.1$5.66
2012Summary only. Only limited summary data is available for this year.$9.67$6.27$3.40$58.8$57.3$1.45
2011Summary only. Only limited summary data is available for this year.$8.35$6.41$1.95$45.3$47.1$1.84
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 23, 2025
Return Version
2024v5.2
Gross Receipts
$81,649,728
Mission and Program Overview

Mission

Providing of medical, disability, and severance under plans of the employer-sponsor

Providing of health and welfare benefits to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$8,038,000$8,333,153▲ $295,153
Rtn Earn Endowment Incm Other Fnds$2,367,360$3,306,096▲ $938,736
Accounts Receivable$3,208,456$3,285,523▲ $77,067
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,246,456$11,618,676▲ $372,220
Liabilities
Accounts Payable and Accrued Expenses$8,879,096$8,312,580▼ $566,516
Total Liabilities$8,879,096$8,312,580▼ $566,516
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,367,360$3,306,096▲ $938,736
Total Liabilities and Net Assets / Fund Balance$11,246,456$11,618,676▲ $372,220
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseTotal
-TrusteeFT$17,500$17,500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$81,560,919
Investment Income
$88,809
Other Revenue
$0
Change in Net Assets
$938,736
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,321,065
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$78,389,927--$78,389,927
Other Expenses$2,321,065--$2,321,065
Total Functional Expenses$80,710,992$0$0$80,710,992
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“Benefits committee and trustee review the form 5500 prior to filing”

Form 990, Part VI, Section C, Line 18

“UPON REQUEST”

Form 990, Part VI, Section C, Line 19

“UPON REQUEST”

Form 990, Part VII Contact Addresses for Officers, Directors, Etc

“Regions bank - 1717 mckinney ave, 12th fl, dallas, tx 75202.”

Filing and Contact Details

Filer

Filer Name
Bread Financial Payments Inc Employee
EIN
91-1815338
Phone
6147294678
Address
3075 LOYALTY CIRCLE, COLUMBUS, OH 43219

Signing Officer

Name
Adam Fuller
Title
VP & Trust Officer
Phone
6147294678
Signed
2025-09-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Adam Fuller
Formed
1996
Legal Domicile
TX
Voting Board Members
0
Independent Board Members
0
Employees
0
Volunteers
0

Preparer

Firm
Ary Roepcke Mulchaey Pc
Address
TWO MIRANOVA PLACE SUITE 600, COLUMBUS, OH 43215
Preparer
John Roepcke
Phone
6144863600
Raw XML Appendix277 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BREAD FINANCIAL PAYMENTS INC EMPLOYEE
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0BENEFITS TRUST
ReturnHeader/Filer/BusinessNameControlTxt0ADSA
ReturnHeader/Filer/EIN0911815338
ReturnHeader/Filer/PhoneNum06147294678
ReturnHeader/Filer/USAddress/AddressLine1Txt03075 LOYALTY CIRCLE
ReturnHeader/Filer/USAddress/CityNm0COLUMBUS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd043219
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0522370901
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ARY ROEPCKE MULCHAEY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0TWO MIRANOVA PLACE SUITE 600
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0COLUMBUS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd043215
ReturnHeader/PreparerPersonGrp/PhoneNum06144863600
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOHN ROEPCKE
ReturnHeader/ReturnTs02025-09-26T06:56:42-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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