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FORM 5500 DATA

Alliance Data Systems 401k and Retirement Savings Plan

Overview

Plan Information

  • Plan Year01/01/2019 — 12/31/2019
  • Date of Plan01/24/1996
  • Net Assets as of 12/31/2019 $956,994,053
  • Plan Number1
  • Plan Type Single Employer
  • Is the plan collectively bargained? No
  • Did the plan file for an extension of time or the DFVC Program?Yes
  • Plan Funding Arrangement Trust
  • Plan Benefit Arrangement Trust

Participant Information as of 12/31/2019

  • Active (Eligible) Participants7,478
  • Retired or separated participants receiving benefits0
  • Other retired or separated participants entitled to future benefits8,090
  • Subtotal15,568
  • Deceased participants whose beneficiaries are receiving or are entitled to receive benefits42
  • Total15,610
  • Total number of participants as of 01/01/201920,130
  • Number of participants with account balances13,686
  • Number of participants that terminated employment during the plan year with accrued benefits that were less than 100% vested1

Expenses

  • Total Benefit Payments$0
  • Corrective Distributions$0
  • Administrative Service Providers$0
  • Other Expenses$0
  • Total Expenses$0
  • Total Transfers$0

Sponsor Information

  • Address7500 Dallas Parkway Suite 700
  • CityPlano
  • StateTX
  • Zip75024
  • Telephone(214) 494-3271
  • EIN13-3163498
  • Industry Code522298
  • Named AdministratorCara Tutton
  • Named Plan SponsorCara Tutton

Audit Information

  • Audit StatusAudited
  • AuditorAry Roepcke Mulchaey, P.C.
  • Auditor EIN52-2370901
  • Audit OpinionUnqualified
  • Audit Type Full Audit

Benefits Provided Under the Plan

Code Benefit Description
2E Profit-sharing A defined contribution plan that allows employer discretionary contributions. These plans often contain a 401(k) feature.
2F ERISA section 404(c) Plan This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
2G Total participant-directed account plan Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J Code section 401(k) feature A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
2K Code section 401(m) arrangement Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contributions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
2R Brokerage Window Participant-directed brokerage accounts provided as an investment option under the plan.
2T Participant-directed Account Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
3H Controlled Group Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

Questions and Answers

Question Answer Amount
During the plan year did the employer fail to transmit to the plan any participant contributions within the time period described in 29 CFT 2510.3-102? No
Were any loans by the plan or fixed income obligations due the plan in default as of the close of plan year or classified during the year as uncollectible? Disregard participant loans secured by participant's account balance. No
Were any leases to which the plan was a party in default or classified during the year as uncollectible? No
Were there any nonexempt transactions with any party-in-interest? No
Was this plan covered by a fidelity bond? Yes $1,000,000
Did the plan have a loss, whether or not reimbursed by the plan's fidelity bond, that was caused by fraud or dishonesty? No
Did the plan hold any assets whose current value was neither readily determinable on an established market nor set by an independent third party appraiser? No
Did the plan receive any noncash contributions whose value was neither readily determinable on an established market nor set by an independent third party appraiser? No
Did the plan have assets held for investment? Yes
Were any plan transactions or series of transactions in excess of 5% of the current value of plan assets? No
Were all the plan assets either distributed to participants or beneficiaries, transferred to another plan, or brought under the control of the PBGC? No
Has the plan failed to provide any benefit when due under the plan? No
If this is an individual account plan, was there a blackout period? No
If there was a blackout period, have you either provided the required notice or one of the exceptions to providing the notice applied under 29 CFR 2520.101-3? No

Financials

Income and Expense Statement

Income $285,346,211
Contributions $95,216,072
Cash Contributions $95,216,072
Cash from Employers $33,489,094
Cash from Participants $56,977,982
Others (including rollovers) $4,748,996
Noncash Contributions $0
Total Earnings on Investments $187,607,574
Total Interest $1,018,628
Interest-Bearing Cash $0
U.S. Government Securities $0
Corporate Debt Instruments $0
Loans (other than to participants) $0
Participant Loans $1,018,628
Interest from Other Investments $0
Total Dividends $5,095,122
Preferred Stock $0
Common Stock $438,640
Rents $0
Net gain (loss) on sale of assets $-752,114
Aggregate Proceeds $10,795,870
Aggregate Carrying Amount $11,547,984
Total Unrealized Appreciation (depreciation) of assets $-5,730,394
Real Estate $0
Other $-5,730,394
Net investment gain (loss) from common/collective trusts $138,259,178
Net investment gain (loss) from pooled separate accounts $0
Net investment gain (loss) from master trust investment accounts $0
Net investment gain (loss) from 103-12 investment entities $0
Net investment gain (loss) from registered investment companies $49,717,154
Other Income $2,522,565
Expenses $282,157,914
Total Benefit Payments $279,077,782
Directly to participants or beneficiaries, including direct rollovers $279,077,782
To insurance carriers for the provision of benefits $0
Other Benefit Payment Fees $0
Corrective Distributions $43,761
Certain deemed distributions of participant loans $1,884,362
Interest expense $0
Total Administrative Expenses $1,152,009
Professional Fees $14,472
Contract Administrator Fees $975,975
Investment Advisory and management fees $161,562
Other Administrative Fees $0
Net Income $3,188,297
Transfers of Assets to this Plan $0
Transfers of Assets from this Plan $0

Asset and Liability Statement

12/31/2019 12/31/2018 Change YOY
Total Assets $958,965,792 $954,809,737 0.44%
Total noninterest-bearing cash $71,324 $30,740 132.02%
Receivables $1,164,441 $3,034,496 -61.63%
Employer Contributions $849,808 $2,621,631 -67.58%
Participant Contributions $0 $0 0.0%
Other Contributions $314,633 $412,865 -23.79%
General Investments $0 $0 0.0%
Interest-bearing cash $0 $0 0.0%
U.S. Government Securities $0 $0 0.0%
Corporate Debt Instruments $0 $0 0.0%
Preferred $0 $0 0.0%
All Other $0 $0 0.0%
Corporate Stocks $0 $0 0.0%
Preferred $0 $0 0.0%
Common $0 $0 0.0%
Partnership/joint venture interests $0 $0 0.0%
Real estate (other than employer real property) $0 $0 0.0%
Loans (other than to participants) $0 $0 0.0%
Participants Loans $13,238,654 $17,863,312 -25.89%
Value of interest in common/collective trusts $712,037,655 $661,232,540 7.68%
Value of interest in pooled separate accounts $0 $0 0.0%
Value of interest in master trust investment accounts $0 $0 0.0%
Value of interest in 103-12 investment entities $0 $0 0.0%
Value of interest in registered investment companies $201,757,424 $233,079,920 -13.44%
Value of funds held in insurance co. general account $0 $0 0.0%
Other Investments $12,944,234 $12,709,512 1.85%
Employer-related Investments $17,752,060 $26,859,217 -33.91%
Employer Securities $17,752,060 $26,859,217 -33.91%
Employer Real Property $0 $0 0.0%
Buildings and other property used in plan operation $0 $0 0.0%
Total Liabilities $1,971,739 $1,003,981 96.39%
Benefit Claims Payable (1) $1,491,972 $403,290 269.95%
Operating Payables (1) $203,491 $238,809 -14.79%
Acquisition Indebtedness (1) $0 $0 0.0%
Other liabilities (1) $276,276 $361,882 -23.66%
Net Assets $956,994,053 $953,805,756 0.33%

Service Providers

Persons Receiving Only Eligible Indirect Compensation

  • American Funds
  • Columbia
  • Dodge & Cox
  • Sei Trust Company
  • Vanguard
  • Metropolitan West Funds
  • T. Rowe Price

Other Service Providers Receiving Direct or Indirect Compensation

Name Nature of Service Relationship to Plan Sponsor Direct Compensation Paid by Plan Indirect Compensation Paid by Plan Total Compensation
Wells Fargo Bank, N.A. Recordkeeping and information management (computing, tabulating, data processing, etc.), Participant loan processing, Direct payment from the plan, Float revenue, Recordkeeping fees Service Provider $975,975 $44,456 $1,020,431
Financial Engines Advisors, LLC Investment advisory (plan), Investment management fees paid directly by plan Service Provider $161,562 $0 $161,562
Findley Recordkeeping and information management (computing, tabulating, data processing, etc.), Direct payment from the plan Service Provider $7,500 $0 $7,500
Wells Fargo Advisors, LLC Securities brokerage, Securities brokerage commissions and fees Service Provider $6,972 $0 $6,972
Total $1,152,009 $44,456 $1,196,465

Indirect Compensation

Name Source of Indirect Compensation* Nature of Service Description of Indirect Compensation Indirect Compensation Paid by Plan
Wells Fargo Bank, N.A. Financial Engines Advisors, LLC Recordkeeping and information management (computing, tabulating, data processing, etc.) Qtrly Set Up and Maintenance Fees + Per Participant Fee Not To Exceed 25% of Fees Received By Financial Engines Each Quarter. $44,456
*As outlined by the Form 5500 Instructions for service providers with indirect compensation.

Service Providers Who Fail or Refuse to Provide Information

There are no service providers who failed or refused to provide information.

Termination Information on Accountants and Enrolled Actuaries

There is no termination information for this plan.

Investments

Investments

Name of Investment Investment Manager Type of Investment Dollar Value
Vanguard Target Retirement 2035 I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $118,710,514
Vanguard Target Retirement 2040 I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $102,024,925
Vanguard Target Retirement 2030 I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $97,564,801
Vanguard Target Retirement 2045 I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $81,195,659
Vanguard Target Retirement 2025 I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $68,871,762
Vanguard Target Retirement 2050 I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $62,374,081
Wells Fargo Stable Return Fund N Wells Fargo Bank, N.A. DFE: Common/Collective Trust $33,076,259
Vanguard Target Retirement 2055 I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $32,262,272
Vanguard Target Retirement 2020 I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $31,219,053
T. Rowe Price Growth Stock Trust T. Rowe Price Trust Company DFE: Common/Collective Trust $21,043,326
Wells Fargo Discovery Cit N Wells Fargo Bank, N.A. DFE: Common/Collective Trust $19,738,848
Ct Small and Mid Cap Growth Fund A Ameriprise Trust Company DFE: Common/Collective Trust $14,845,602
Vanguard Target Retirement 2060 I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $10,845,736
Vanguard Target Retirement Inc I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $9,080,375
Vanguard Target Retirement 2015 I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $7,838,608
Vanguard Target Retirement 2065 I Vanguard Fiduciary Trust Company DFE: Common/Collective Trust $1,345,834
De Investment/Macquarie Large Cap G Sei Trust Company DFE: Common/Collective Trust $0
Total $712,037,655

Insurance Information

Insurance Information

There are no insurance carriers listed for this plan.