BREAD FINANCIAL PAYMENTS INC EMPLOYEE BENEFITS TRUST

EIN: 911815338

COLUMBUS, OH

Total Revenue
$81,649,728
Total Expenses
$80,710,992
Total Assets
$11,618,676
Net Assets
$3,306,096
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1996
Legal Domicile
TX
Principal Officer
ADAM FULLER
Phone
6147294678
Tax Period
2024-01-01 to 2024-12-31

BREAD FINANCIAL PAYMENTS INC EMPLOYEE BENEFITS TRUST, founded in 1996, is a mid-sized nonprofit that reported $81.6M in total revenue in fiscal year 2024.

Mission

PROVIDING OF HEALTH AND WELFARE BENEFITS TO MEMBERS

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $81,560,919
Investment Income $88,809
Other Revenue $0
TOTAL REVENUE $81,649,728

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $0
Program Expenses $80,710,992
Other Expenses $2,321,065
TOTAL EXPENSES $80,710,992

Year-over-Year Comparison

2024 2023 Change
Revenue $81,649,728 $84,927,472 0.0%
Expenses $80,710,992 $85,389,333 -0.1%
Net Income $938,736 $-461,861 -3.0%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
N/A
Independent Members
N/A
Employees
N/A
Volunteers
N/A

Governance Policies

✗ Conflict of Interest Policy
✗ Whistleblower Policy
✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
0
$0
Total Directors
0
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
N/A TRUSTEE 40.00
$17,500 $0 $17,500
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2024 $81,649,728 $80,710,992 $11,618,676 $938,736
2023 $84,927,472 $85,389,333 $11,246,456 $-461,861
2022 $67,020,338 $73,023,419 $10,265,111 $-6,003,081
2021 $79,868,187 $79,139,829 $17,341,004 $728,358
2020 $92,461,212 $84,509,268 $17,387,054 $7,951,944
2019 $145,289,240 $153,103,575 $18,298,985 $-7,814,335
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