Form 5500 · Employee benefit plan · COLUMBUS, OH
BREAD FINANCIAL PAYMENTS, INC.
The filing calls this plan BREAD FINANCIAL PAYMENTS, INC. MASTER WELFARE BENEFIT PLAN FOR INSURED BENEFITS.
Public Form 5500 records show how BREAD FINANCIAL PAYMENTS, INC. of COLUMBUS, OH, a finance and insurance employer, structures its employee benefits. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-3163498 · plan 502 · plan year 2024, filed Sep 24, 2025
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2,504 other employer plans in Ohio have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: prepaid legal, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 12 insured contracts covering dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 9,431 people.
Reported premium across the insured contracts is $11,123,554, with $204,763 in disclosed broker commissions — about 1.8% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
WILLIS TOWERS WATSON US LLC is the broker of record on 8 of the 12 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including METROPOLITAN LIFE INSURANCE COMPANY, CONTINENTAL AMERICAN INSURANCE COMPANY, SECURIAN LIFE INSURANCE COMPANY and VISION SERVICE PLAN. METROPOLITAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | — | 2,671 | Jan 1, 2025 | $456,434 | $83,733 |
| RELIASTAR LIFE INSURANCE COMPANY | — | 2,108 | Jan 1, 2025 | $290,960 | $61,660 |
| RELIASTAR LIFE INSURANCE COMPANY | — | 3,443 | Jan 1, 2025 | $202,005 | $35,657 |
| METLIFE LEGAL PLANS | — | 1,119 | Jan 1, 2025 | $265,153 | $23,713 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 9,431 | Jan 1, 2025 | $4,232,392 | $0 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | Disability | 5,515 | Jan 1, 2025 | $2,888,173 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 4,913 | Jan 1, 2025 | $1,310,149 | $0 |
| VISION SERVICE PLAN | Vision | 4,053 | Jan 1, 2025 | $647,202 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 5,435 | Jan 1, 2025 | $637,047 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 2,676 | Jan 1, 2025 | $176,871 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 4,985 | Jan 1, 2025 | $12,758 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 1 | Jan 1, 2025 | $4,410 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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