Form 497VPU VOYA RETIREMENT INSURANC

April 29, 2026 4:39 PM EDT

VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY

 

VOYA MAP PLUS NPSM

A GROUP DEFERRED VARIABLE AND FIXED ANNUITY CONTRACT

(“THE CONTRACT” OR “CONTRACTS”)

 

issued to

Plans Established by Eligible Organizations Under Tax Code Sections 401(a),
401(k), 403(a), 403(b) and 457(b), including Roth 401(k), Roth 403(b)
and Roth 457(b) Plans

 

UPDATING SUMMARY PROSPECTUS

May 1, 2026

____________________________________________________________________________

 

There is one class of Contract described in this updating summary prospectus (“summary Prospectus”). The Contract is issued in connection with plans established by eligible organizations under Tax Code Sections 401(a), 401(k), 403(b) and 457(b), including Roth 401(k), Roth 403(b), and Roth 457(b) plans.

 

The full prospectus for the Contract (the “full Contract prospectus”) contains more information about the Contracts, including the features, benefits, and risks. You can find the current prospectus and other information about the Contracts online at https://vpx.broadridge.com/getcontract1.asp?doctype=usp&dtype=isp&cid=voyavpx&fid=92912K216. You can also obtain this information at no cost by calling 1-800-584-6001 or by sending an email request to [email protected].

 

Additional information about certain investment products, including variable annuities, and fixed interest options with market value adjustments, has been prepared by the U.S. Securities and Exchange Commission’s staff and is available at Investor.gov.

 

The U.S. Securities and Exchange Commission (the “SEC”) has not approved or disapproved this Contract or passed upon the adequacy of this summary prospectus. Any representation to the contrary is a criminal offense.

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TABLE OF CONTENTS

 

SPECIAL TERMS USED IN THIS SUMMARY PROSPECTUS 3
UPDATED INFORMATION ABOUT YOUR CONTRACT 5
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT 7
APPENDIX:  INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT 12

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SPECIAL TERMS USED IN THIS SUMMARY PROSPECTUS

 

The following are some of the important terms used throughout this summary prospectus that have special meaning.

 

Account Value: The value of: (1) amounts allocated to the Fixed Interest Options, including interest earnings to date; less (2) any deductions from the Fixed Interest Options (e.g., withdrawals and fees); and plus (3) the current dollar value of amounts allocated to the Subaccounts of Variable Annuity Account C, which includes investment performance and fees deducted from the Subaccounts.

 

Contract or Contracts: The group or individual deferred fixed and variable annuity Contract offered by your Plan Sponsor as a funding vehicle for your retirement plan.

 

Contract Holder: The person to whom we issue the Contract. Generally, the Plan Sponsor or a trust.

 

Customer Service: The location from which we service the Contracts. The mailing address and telephone number of Customer Service is Defined Contributions Administration, P.O. Box 990063, Hartford, CT 06199-0063, 1-800-584-6001.

 

Fixed Interest Options: The Guaranteed Accumulation Account, The Fixed Account II, and the Fixed Plus Account II A are Fixed Interest Options that may be available during the Accumulation Phase under some Contracts. Amounts allocated to the Guaranteed Accumulation Account are deposited in a nonunitized separate account established by the Company. Amounts allocated to the Fixed Interest Options are held in the Company’s General Account which supports insurance and annuity obligations.

 

Fund(s): The underlying mutual Funds in which the Subaccounts invest.

 

General Account: The account that contains all of our assets other than those held in Variable Annuity Account C or one of our other separate accounts.

 

Investor (also “you” or “participant”): The individual who participates in the Contract through a retirement plan.

 

Loan Interest Rate Spread: The difference between the rate charged and the rate credited on loans under your Contract.

 

MVA: A Market Value Adjustment applicable to amounts removed from the Guaranteed Accumulation Account (GAA) prior to the end of a Guaranteed Term.

 

Plan Sponsor: The sponsor of your retirement plan. Generally, your employer.

 

Purchase Payment: Collectively, the initial purchase payment and any additional purchase payment.

 

Purchase Payment Period (also called “Deposit Cycle” in the Contract): For installment Purchase Payments, the period of time it takes to complete the number of installment Purchase Payments expected to be made to your account over a year. For example, if your payment frequency is monthly, a payment period is completed after 12 Purchase Payments are made. If only 11 Purchase Payments are made, the payment period is not completed until the twelfth Purchase payment is made. At any given time, the number of payment periods completed cannot exceed the number of Account Years completed, regardless of the number of payments made.

 

Subaccount: Division(s) of Variable Annuity Account C that are investment options under the Contract. Each Subaccount invests in a corresponding underlying mutual Fund.

 

Tax Code: The Internal Revenue Code of 1986, as amended.

 

VRIAC, the Company, we, us and our: Voya Retirement Insurance and Annuity Company, a stock company domiciled in Connecticut, that issues the Contract described in this summary prospectus.

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Variable Annuity Account C, the Separate Account: Voya Variable Annuity Account C, a segregated asset account established by us to fund the variable benefits provided by the Contract. The Variable Annuity Account C is registered as a unit investment trust under the Investment Company Act of 1940 (the “1940 Act”), as amended, and it also meets the definition of “separate account” under the federal securities laws.

 

Variable Investment Options: The Subaccounts of Variable Annuity Account C. Each one invests in a specific mutual Fund.

 

Vested: The amount of money in a participant’s individual account attributable to participant contributions. In an employer-sponsored retirement plan (i.e., a 401(k) or 403(b) plan), the Vested amount may include employer matching contributions.

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UPDATED INFORMATION ABOUT YOUR CONTRACT

 

 

The information in this summary prospectus is a summary of certain Contract features that have changed since May 1, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract.

 

•Fee Table
•Loans that have a 0.0% Loan Interest Rate Spread may be subject to a loan initiation fee. The loan initiation fee will be deducted from the Vested individual Account Value during the first month of the loan period. We reserve the right to change the fee charged for loan initiation, but not to exceed $125 per loan.
•Loans that have a 0.0% Loan Interest Rate Spread may also be subject to an annual loan administration fee (in addition to a loan initiation fee). The annual loan administration fee may apply to each outstanding loan and, if applied, will be deducted from the Vested individual Account Value annually at the beginning of each calendar year. We reserve the right to change the annual fee charged for loan maintenance, but the fee will not exceed $50.

 

•Investment Options
•The Franklin Small Cap Value VIP Fund is closed to new investment by new Investors. Existing retirement plans and individual Investors who have investment in the Subaccount that corresponds to this Fund may leave their investment in that Subaccount and may continue to make additional purchases and exchanges.
•Effective March 31, 2025, the Pioneer Strategic Income Fund (Class A) changed its name to the Victory Pioneer Strategic Income Fund (Class A).
•Effective May 2, 2025, the Pioneer High Yield Fund (Class A) changed its name to the Victory Pioneer High Yield Fund (Class A).
•Effective June 2, 2025, the American Funds® EuroPacific Growth Fund® (Class R3) changed its name to the American Funds® EUPAC Fund® (Class R3).
•Effective at the opening of business on June 2, 2025, the Wanger Acorn Fund changed its name to the Columbia Variable Portfolio – Acorn Fund
•Effective at the opening of business on June 2, 2025, the Wanger International Fund changed its name to the Columbia Variable Portfolio – Acorn International Fund.
•Effective July 28, 2025, the Neuberger Berman Sustainable Equity Fund changed its name to the Neuberger Berman Quality Equity Fund.
•Effective on or about October 27, 2025, T. Rowe Price Associates Inc. was added as a sub-adviser to Voya Large Cap Growth Portfolio.
•Effective November 21, 2025, the VY® T. Rowe Price Growth Equity Portfolio (Class I) merged into the Voya Large Cap Growth Portfolio (Class I).
•Effective December 18, 2025, the Neuberger Berman Genesis Fund changed its name to the Neuberger Genesis Fund
•Effective January 21, 2026, the VY® CBRE Real Estate Portfolio changed its name to the VY® Columbia Real Estate Portfolio and the subadviser changed from CBRE Investment Management Listed Real Assets, LLC to the Columbia Management Investment Advisers, LLC.
•Effective February 6, 2026, the VY® T. Rowe Price Equity Income Portfolio merged into the Voya Large Cap Value Fund.
•Effective February 6, 2026, the Voya Large Cap Value Portfolio merged into the Voya Large Cap Value Fund.
•Effective May 1, 2026, the VY® Columbia Small Cap Value II Portfolio changed its name to the VY® Columbia Small Cap Value and Inflection Portfolio.
•Effective on or about July 17, 2026, the Voya Global Insights Portfolio (Class I) will change its name to the Voya Global Insights Fund (Class I).
•Effective on or about July 17, 2026, the VY® Baron Growth Portfolio will merge into the Voya MidCap Opportunities Fund.
•Effective on or about July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya Balanced Income Fund.

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Contract Adjustments

 

You could lose a significant amount of money due to a Market Value Adjustment if you remove Account Value from the Guaranteed Accumulation Account (“GAA”), a Fixed Interest Option, before the end of a Guaranteed Term. A negative MVA may apply if you withdraw or transfer Account Value from the GAA, or upon payments due to the death of the participant, if paid more than six months following death (or disability, if applicable).

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IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT

 

FEES,  EXPENSES AND ADJUSTMENTS
Are There Charges or Adjustments for Early Withdrawals?

Yes. If the Investor withdraws money from the Contract within ten (10) years following a specified date, the Investor can be assessed an early withdrawal charge equal to a maximum of 7% of the amount withdrawn. The specified date referenced in the preceding sentence can vary depending on the terms of the Contract and will be either: (1) the date the individual account was established; (2) the date the Contract was established; or (3) the number of completed Purchase Payment Periods.

 

For example, if you make an early withdrawal from your Contract, you could pay a surrender charge of up to $7,000 on a $100,000 investment. This loss will be greater if there is a negative Market Value Adjustment, taxes, or tax penalties.

 

If all or a portion of your Account Value is removed from the Guaranteed Accumulation Account before the end of a Guaranteed Term, we will apply Market Value Adjustment, which may be negative and could cause a potential loss of up to 100% of your Account Value in the GAA. For example, you allocate $100,000 to the GAA with a 3-year Guaranteed Term and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss will be greater if you also have to pay a surrender charge, taxes, and tax penalties. A Market Value Adjustment may apply if you withdraw or transfer Account Value from the GAA, or upon payments due to the death of the participant, if paid more than six months following death (or disability, if applicable).,

 

See “FEE TABLES – Transaction Expenses” “FEE TABLE – Adjustments,” “CHARGES, FEES AND ADJUSTMENTS – Transaction Fees – Early Withdrawal Charge,” in the full Contract Prospectus.

Are There Transaction Charges?

Yes.

•   In addition to the early withdrawal charge and Market Value Adjustments, the Investor may also be charged for other transactions. If you take Contract loan from your Account Value, you may be subject to a Loan Initiation Fee not to exceed $125 per loan.

•   Certain Funds may impose redemption fees as a result of withdrawals, transfers, or other Fund transactions you may initiate.

 

See “FEE TABLES – Transaction Expenses” and “CHARGES, FEES AND ADJUSTMENTS” in the full Contract Prospectus.

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FEES, EXPENSES AND ADJUSTMENTS

(continued from previous page)

Are There Ongoing Fees and Expenses? Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. A Loan Interest Rate Spread (which is the difference between the rate charged and the rate credited on loans under your contract), or an Annual Loan administration fee is charged until the loan is repaid.
  Annual Fee Minimum Maximum
Base Contract Expenses    1.25%1, 2   3.55%1,2
Portfolio Company fees and expenses 0.28%3 1.55%3
 

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could surrender charges and negative Market Value Adjustments that substantially increase costs.

 

Lowest Annual Cost Estimate:

$2,636

 Highest Annual Cost Estimate:
$3,491

Assumes:

•  Investment of $100,000;

•  5% annual appreciation;

•  No optional benefits;

•  No loans;

•  Fees and expenses of least expensive Fund;

•  No sales charges; and

•  No additional Purchase Payments, transfers or withdrawals.

Assumes:

•  Investment of $100,000;

•  5% annual appreciation;

•  No loans;

•  Fees and expenses of most expensive Fund;

•  Transferred Asset Benefit Charge;

•  No sales charges; and

•  No additional Purchase Payments, transfers or withdrawals.

 

See “FEE TABLE – Periodic Fees and Expenses” and “CHARGES, FEES AND ADJUSTMENTS – Periodic Fees and Charges” in the full Contract prospectus.

 

 

1 As a percentage of average Account Value.
2 The Base Contract Expenses include (1) a mortality and expense risk charge, which compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit and any guaranteed death benefit; (2) a $30 annual maintenance fee, (0.1848467% when converted to an annual percentage), which helps defray the administrative expenses we incur in establishing and maintaining the accounts, and  may be reduced or eliminated in certain circumstances; and (3) a daily asset charge, which compensates us for the risks we assume under the Contracts and the expenses we expect to incur in administering the Contract. See “CHARGES, FEES AND ADJUSTMENTS – Periodic Fees and Charges.”
3 As a percentage of the Portfolio Company’s net assets. These expenses, which include management fees, distribution (12b-1) and/or service fees and other expenses, do not take into account any fee waiver or expense reimbursement arrangements that may apply. These expenses are for the year ended December 31, 2025, and will vary from year to year. When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.

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RISKS
Is There a Risk of Loss from Poor Performance?

An Investor can lose money by investing in the Contract.

 

See “PRINCIPAL RISKS OF INVESTING IN THE CONTRACT” in the full Contract Prospectus.

Is This  a Short-Term Investment?

No. This Contract is not designed for short-term investing and is not appropriate for an Investor who needs ready access to cash. The Contract is typically most useful as part of a personal retirement plan. Early withdrawals may be restricted by the Tax Code or your plan and may expose you to early withdrawal charges or tax penalties. You should not participate in this Contract if you are looking for a short-term investment or expect to make withdrawals before you are age 59½.

 

Amounts withdrawn from the Contract may result in surrender charges, taxes, and tax penalties. Amounts removed from the Guaranteed Accumulation Account before the end of a Guaranteed Term may also result in a negative Market Value Adjustment, Account Value in the GAA will be reallocated at the end of the Guaranteed Term according to the investor’s instructions. When a guaranteed term ends, if we have not received instructions, we will automatically reinvest the maturing investment into a guaranteed term available in the current deposit period. For contracts that distinguish between short- and long-term classifications, we will generally transfer the maturing investment to the available deposit period for the guaranteed term having the shortest maturity within the same classification. For other contracts, we will generally transfer the maturing investment in the following manner based upon availability:

•     To a guaranteed term of the same duration, if available;

•     To a guaranteed term with the next shortest duration, if available; or

•     To a guaranteed term with the next longest duration.

 

See “PRINCIPAL RISKS OF INVESTING IN THE CONTRACT” in the full Contract Prospectus.

What Are the Risks Associated with the Investment Options?

An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract. Each investment option (including the Guaranteed Accumulation Account and the other Fixed Interest Options) will have its own unique risks, and you should review these investment options before making an investment decision.

 

See ‘THE INVESTMENT OPTIONS - The Variable Investment Options” and “THE INVESTMENT OPTIONS – The Fixed Interest Options” in the full Contract prospectus and “APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT” to this summary Prospectus.

What Are the Risks Related to the Insurance Company?  

An investment in the Contract is subject to the risks related to VRIAC, including that any obligations, including under the Fixed Interest Options, guarantees or benefits are subject to the financial strength and claims paying ability of VRIAC. More information about VRIAC, including its financial strength and claims paying ability, is available upon request, by contacting Customer Service at 1-800-584-6001.

 

See “THE CONTRACT – The General Account” in the full Contract prospectus.

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RESTRICTIONS
Are There Restrictions on the Investment Options?

Yes.

•    Your plan may limit the number of investment options you may select at any one time. Please refer to your plan documents for more information;

•    Some Subaccounts and Fixed Interest Options may not be available through your plan. Please refer to your plan documents for a list of Subaccounts and Fixed Interest Options available to you;

•    Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain investment options;

•    Not all Fixed Interest Options may be available for current or future investment;

•    There are certain restrictions on transfers from the Fixed Interest Options;

•    The Company reserves the right to combine two or more Subaccounts, close Subaccounts or substitute a new Fund for a Fund in which a Subaccount currently invests; and

•    The Contract is not designed to serve as a vehicle for frequent transfers. We actively monitor Fund transfer and reallocation activity to identify violations of our Excessive Trading Policy. Electronic trading privileges will be suspended if the Company determines, in its sole discretion, that our Excessive Trading Policy has been violated.

 

See “THE INVESTMENT OPTIONS – Selecting Investment Options and Right to Change the Separate Account,” “THE CONTRACT – Limits on Frequent or Disruptive Transfers” and “OTHER TOPICS – Financial Intermediary Variations in the full Contract Prospectus.

Are There any Restrictions on Contract  Benefits?

Yes.

•    We may discontinue or restrict the availability of an optional benefit;

•    Benefits available to you may vary based on your plan. Please refer to your plan documents for benefits available to you;

•    Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain Contract benefits;

•    Account Values invested in certain investment options may not be available for rebalancing under the Asset Rebalancing Program. Subaccount reallocations or changes outside of the Asset Rebalancing Program may affect the program;

•    If not required under your plan, we may discontinue the availability of one or all of the Systematic Distribution Options at any time and/or change the terms of future elections;

•    and

•    Withdrawals may reduce the amount of a death benefit based on Purchase Payments by more than the amount withdrawn; and

•    The Transferred Asset Benefit Charge only applies if the Contract Holder has elected this option. If elected, the charge will apply to all participants under the Contract.

 

See “THE CONTRACT - Contract Provisions and Limitations – The Asset Rebalancing Program,” “DEATH BENEFIT – Death Benefit Options,” “SYSTEMATIC DISTRIBUTION OPTIONS – Availability of Systematic Distribution Options” and “LOANS – Availability” and “OTHER TOPICS – Financial Intermediary Variations in the full Contract prospectus.

TAXES
What Are the Contract’s Tax Implications?

•    You should consult with a tax and/or legal adviser to determine the tax implications of an investment in, and distributions received under, the Contract;

•    There is no additional tax benefit to the Investor if the Contract is purchased through a tax-qualified plan or individual retirement account (“IRA”); and

•    Withdrawals will be subject to ordinary income tax and may be subject to tax penalties.

 

See “FEDERAL TAX CONSIDERATIONS” in the full Contract prospectus.

 

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CONFLICTS OF INTEREST

How Are Investment Professionals

Compensated?

•    We pay compensation to broker/dealers whose registered representatives sell the Contract.

•    Compensation may be paid in the form of commissions or other compensation, depending upon the agreement between the broker/dealers and the registered representative.

•    Because of this sales-based compensation, an investment professional may have a financial incentive to offer or recommend the Contract over another investment.

 

See “OTHER TOPICS – Contract Distribution” in the full Contract prospectus.

Should I Exchange My Contract?

Some investment professionals may have a financial incentive to offer you a new Contract in place of the one you own. You should exchange your Contract only if you determine, after comparing the features, fees and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is preferable for you to purchase the new Contract rather than continue to own the existing contract.

 

See “PRINCIPAL RISKS OF INVESTING IN THE CONTRACT” in the full Contract prospectus.

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APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

 

The Variable Options and Fixed Interest Options available to you may vary based on employer. You should refer to your plan documents for a list of available Investment Options. Additionally, some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain investment options. For more information, see “OTHER TOPICS – Financial Intermediary Variations” section of this Prospectus. If you have any questions about any limitations, restrictions, or other variations related to the investment options available to you, please reach out to your financial institution or broker-dealer.

 

Variable Options

 

The following is a list of Funds available under the Contract. The Funds available to you may vary based on employer and state approval and participants should refer to their plan documents for a list of available Funds.

 

More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://vpx.broadridge.com/getcontract1.asp?dtype=usp&cid=voyavpx&fid=92912K216. You can also request this information at no cost by calling Customer Service at 1-800-584-6001 or by sending an email request to [email protected].

 

The current expenses and performance information below reflects fee and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund’s past performance is not necessarily an indication of future performance.

 

 

INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks long-term growth of capital.

AB Relative Value Fund (Class A)1

 

Investment Adviser: AllianceBernstein L.P.

 0.90%** 0.20% 1.10% 5.51% 10.08% 9.77%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.

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INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks long-term capital appreciation.

Alger Capital Appreciation Fund

(Class A)1

 

Investment Adviser: Fred Alger Management, LLC

 1.28% 0.10% 1.38% 24.25% 14.59% 17.12%
Seeks long-term capital appreciation.

Alger Responsible Investing Fund (Class A)1

 

Investment Adviser: Fred Alger Management, LLC

 1.10%** 0.10% 1.20% 15.89% 11.33% 14.80%
Seeks long-term capital growth, consistent with Islamic principles.

Amana Growth Fund (Investor Shares)1

 

Investment Adviser: Saturna Capital Corporation

 0.86%(2) 0.25% 1.11% 15.75%(2) 15.42%(2) 14.46%(2)
Seeks current income and preservation of capital, consistent with Islamic principles. Current income is the Fund’s primary objective.

Amana Income Fund (Investor Shares)1

 

Investment Adviser: Saturna Capital Corporation

 1.01%(2) 0.25% 1.26% 12.88%(2) 10.31%(2) 9.62%(2)

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 This information is being provided based on the fund’s most recent prospectus filing.

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INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to provide total return and inflation protection consistent with investment in inflation-indexed securities.

American Century Investments® Inflation-Adjusted Bond Fund (Investor Class)1

 

Investment Adviser: American Century Investment Management, Inc.

 0.54% 0.35% 0.89%  6.67%  0.84%  2.70%
Seeks to provide (1) conservation of capital, (2) current income and (3) long-term growth of capital and income.

American Funds® – American Balanced Fund® (Class R-3)1

 

Investment Adviser: Capital Research and Management CompanySM

 0.89% N/A N/A 18.08% 9.21% 9.43%
Seeks to provide long-term growth of capital while providing current income.

American Funds® – Capital World Growth and Income Fund® (Class R-3)2

 

Investment Adviser: Capital Research and Management CompanySM

 1.06% N/A N/A 24.32% 9.91% 10.52%
Seeks to provide long-term growth of capital.

American Funds® – EUPAC Growth Fund®

(Class R-3)**,1

 

Investment Adviser: Capital Research and Management CompanySM

 1.12% N/A N/A 28.35% 3.91% 7.75%

 

*   When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Effective June 2, 2025, the American Funds® EuroPacific Growth Fund® (Class R3) changed its name to the American Funds® EUPAC Fund® (Class R3).
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.

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INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to achieve long-term growth of capital and income.

American Funds® – Fundamental Investors® (Class R-3)1

 

Investment Adviser: Capital Research and Management CompanySM

 0.92% N/A N/A 23.85% 14.07% 13.70%
Seeks to provide long-term growth of capital. However future income will remain a consideration in the management of the Fund.

American Funds® - New Perspective Fund®

(Class R-3)1

 

Investment Adviser: Capital Research and Management CompanySM

 1.05% N/A N/A 20.85% 8.66% 12.31%
Seeks to provide growth of capital.

American Funds® - The Growth Fund of America® (Class R3)1

 

Investment Adviser: Capital Research and Management CompanySM

 0.93% N/A N/A 19.53% 11.44% 14.77%
Seeks to provide current income while secondarily striving for capital growth.

American Funds® - The Income Fund of America® (Class R-3)1

 

Investment Adviser: Capital Research and Management CompanySM

 0.90% N/A N/A 17.37% 8.69% 8.26%
Seeks to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing.

American Funds® - Washington Mutual Investors FundSM
(Class R-3)1

 

Investment Adviser: Capital Research and Management CompanySM

 0.91% N/A N/A 16.76% 13.57% 12.75%
Seeks long-term capital appreciation.

Ariel Appreciation Fund (Investor Class)3

 

Investment Adviser: Ariel Investments, LLC

 1.15% 0.35% 1.50% 11.11% 7.57% 7.95%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.

USP.294115-26

 15 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks long-term capital appreciation.

Ariel Fund

(Investor Class)1

 

Investment Adviser: Ariel Investments, LLC

 1.01% 0.35% 1.36% 14.15% 9.36% 9.51%
Seeks maximum long– term capital growth.

Artisan International Fund (Investor Class)1

 

Investment Adviser: Artisan Partners Limited Partnership

 1.19% 0.25% 1.44% 36.03% 8.56% 8.26%
Seeks long-term total return and current income.

BlackRock Equity Dividend Fund (Investor A Shares)1

 

Investment Adviser: BlackRock Advisors, LLC

 0.94% 0.10% 1.04% 21.40% 11.45% 10.98%
Seeks capital appreciation and, secondarily, income by investing in securities, primarily equity securities that Fund management believes are undervalued and therefore represent an investment value.

BlackRock Mid Cap Value Fund (Investor A Shares)1

 

Investment Adviser: BlackRock Advisors, LLC

 1.00%** 0.10% 1.10% 13.43% 10.91% 10.75%
Seeks long-term capital appreciation.

Columbia Acorn® Fund (Class A)1

 

Investment Adviser: Columbia Wanger Asset Management, LLC

 1.07%* 0.20% 1.27% 4.56% 0.83% 8.27%
Seeks to provide shareholders with high level of current income as its primary objective and, as its secondary objective, capital growth.

Columbia High Yield Bond Fund (Class S)1

 

Investment Adviser: Columbia Management Investment Advisers, LLC

 0.73%* N/A N/A 8.79%  4.09%  5.56%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.

USP.294115-26

 16 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to provide shareholders with a high level of current income and as a secondary objective, steady growth of capital.

Columbia Value Intrinsic Fund

(Institutional Class)***,1

 

Investment Adviser: Columbia Management Investment Advisers, LLC

 0.72% N/A N/A  19.91%  12.42%  11.44%
Seeks long-term capital appreciation.

Columbia Select Mid Cap Value Fund (Class A)1

 

Investment Adviser: Columbia Management Investment Advisers, LLC

 1.13% 0.20% 1.33%  13.62%  11.06% 10.19%
Seeks long-term capital appreciation.

Columbia Variable Portfolio – Acorn Fund****

 

Investment Adviser: Columbia Wanger Asset Management, LLC

 0.91%* 0.20% 1.11% 4.47% 1.02% 8.66%
Seeks long-term capital appreciation.

Columbia Variable Portfolio – Acorn International Fund*****

 

Investment Adviser: Columbia Wanger Asset Management, LLC

 1.08%* 0.20% 1.28%  12.76%  -1.00%  4.31%
Seeks long-term capital appreciation.

CRM Mid Cap Value Fund – Investor Shares

 

Investment Adviser: Cramer Rosenthal McGlynn, LLC

 1.04%* N/A N/A 8.88% 8.06% 10.04%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
*** Effective September 1, 2025, the Columbia Large Cap Value Fund changed its name to the Columbia Intrinsic Value Fund.
**** Effective at the opening of business on June 2, 2025, the Wanger Acorn Fund changed its name to the Columbia Variable Portfolio – Acorn Fund
***** Effective at the opening of business on June 2, 2025, the Wanger International Fund changed its name to the Columbia Variable Portfolio – Acorn International Fund.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.

USP.294115-26

 17 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks long-term growth of principal and income. A secondary objective is to achieve a reasonable current income.

Dodge & Cox Stock Fund (Class I)1

 

Investment Adviser: Dodge & Cox

 0.51% 0.50% 1.01% 13.66% 13.31% 12.79%
Seeks total return.

Eaton Vance Large-Cap Value Fund (Class R)2,3

 

Investment Adviser: Boston Management and Research (BMR), a subsidiary of Eaton Vance Management. Investment adviser to the Large-Cap Value Portfolio

 1.25% N/A N/A 11.83% 9.98% 9.47%
Seeks capital appreciation.

Fidelity Advisor® New Insights Fund (Class I)3

 

Investment Adviser: Fidelity Management & Research Company LLC (“FMR”)

 

Subadviser(s): FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited

 

 0.81%** 0.40% 1.21% 23.03% 15.49% 15.75%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Operating expenses reflecting applicable waivers or expense limitations as reported in the Fund’s expenses.
1 The Dodge & Cox International Stock Fund is only available to plans offering the Fund prior to January 16, 2015.
2 The Eaton Vance Large-Cap Value Fund invests all of its investable assets in interests in Large-Cap Value Portfolio, which has the same investment objective and policies as the Fund.
3 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.

USP.294115-26

 18 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks a high level of current income. The Fund may also seek capital appreciation.

Fidelity Advisor® Strategic Income Fund (Class A)1

 

Investment Adviser: Fidelity Management & Research Company LLC (“FMR”)

 

Subadviser(s): FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, Fidelity Management & Research (Japan) Limited, FIL Investment Advisors, FIL Investment Advisors (UK) and FIL Investments (Japan) Limited

 0.93% N/A N/A 4.23% 2.04% 4.07%
Seeks long-term capital appreciation.

Fidelity® VIP ContrafundSM Portfolio (Initial Class)

 

Investment Adviser: Fidelity Management & Research Company LLC (“FMR”)

 

Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited

 

 0.54% 0.40% 0.94% 21.52% 15.37% 15.78%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.

USP.294115-26

 19 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks reasonable income. Also considers the potential for capital appreciation. Seeks to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500® Index.

Fidelity® VIP Equity-Income PortfolioSM

(Initial Class)

 

Investment Adviser: Fidelity Management & Research Company LLC (“FMR”)

 

Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited

 0.46% 0.40% 0.86% 19.02% 12.51% 11.60%
Seeks to achieve capital appreciation.

Fidelity® VIP Growth Portfolio (Initial Class)

 

Investment Adviser: Fidelity Management & Research Company LLC (“FMR”)

 

Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited

 0.55% 0.40% 0.95% 14.92% 13.70% 17.45%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.

USP.294115-26

 20 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks capital appreciation.

Franklin Mutual Global Discovery Fund

(Class R)1

 

Investment Adviser: Franklin Mutual Advisers, LLC

 1.45% N/A N/A 23.08% 11.70% 8.38%
Seeks long-term total return. Under normal market conditions, the Fund invests at least 80% of its net assets in investments of small-capitalization companies.

Franklin Small Cap Value VIP Fund (Class 2)***

 

Investment Adviser: Franklin Mutual Advisers, LLC

 0.91%** 0.20% 1.11% 7.65% 8.86% 9.81%
Seeks long-term capital growth.

Franklin Small-Mid Cap Growth Fund (Class A)1

 

Investment Adviser: Franklin Advisers, Inc.

 0.84%** 0.20% 1.04% -2.91% 0.04% 9.56%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
**   Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
*** The Franklin Small Cap Value VIP Fund is closed to investment by new Investors. Existing retirement plans and individual Investors who have investment in the Subaccount that corresponds to this Fund may leave their investment in that Subaccount and may continue to make additional purchases and exchanges.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.

USP.294115-26

 21 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks income and conservation of principal and secondarily long-term growth of capital.

Impax Sustainable Allocation Fund (Investor Class)

 

Investment Adviser: Impax Asset Management LLC

 0.93% 0.20% 1.13% 10.86% 5.38% 7.68%
Seeks capital appreciation.

Invesco Developing Markets Fund (Class A)1,2

 

Investment Adviser: Invesco Advisers, Inc.

 1.30% 0.15% 1.45% 21.27% -1.65% 5.40%
Seeks capital appreciation.

Invesco Discovery Large Cap Fund (Class A)

 

Investment Adviser: Invesco Advisers, Inc.

 0.93%** N/A N/A 26.64%** 14.54%** 12.40%**
Seeks capital appreciation.

Invesco Gold & Special Minerals Fund (Class A)1

 

Investment Adviser: Invesco Advisers, Inc.

 

 1.05%** 0.15% 1.20% 6.85%** 4.54%** 7.84%**
Seeks long-term growth of capital.

Invesco HealthCare Fund (Investor Class)1

 

Investment Adviser: Invesco Advisers, Inc.

 1.07% 0.15% 1.22% 15.48% 3.72% 6.38%
Seeks total return, through growth of capital and current income.

Invesco High Yield Fund (Class R5)

 

Investment Adviser: Invesco Advisers, Inc.

 0.70%** N/A N/A 8.37%** 3.19%** 4.05%**

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** This information is being provided based on the fund’s most recent prospectus filing.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 The Invesco Developing Markets Fund is only available to plans offering the Fund prior to April 12, 2013.

USP.294115-26

 22 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks total return.

Invesco International Bond Fund (Class A)1

 

Investment Adviser: Invesco Advisers, Inc.

 1.07%** 0.15% 1.22% 11.94% -0.72% 2.37%
Seeks capital appreciation.

Invesco Main Street Mid Cap Fund® (Class A)1

 

Investment Adviser: Invesco Advisers, Inc.

 1.04% 0.15% 1.19% 8.92% 8.99% 9.73%
Seeks long-term growth of capital.

Invesco Small Cap Value Fund (Class A)1

 

Investment Adviser: Invesco Advisers, Inc.

 1.10%*** 0.20% 1.30% 17.69%*** 17.95%*** 11.13%***
Seeks long-term capital appreciation.

Lazard Emerging Markets Equity Portfolio (Open Shares)1,2

 

Investment Adviser: Lazard Asset Management LLC

 1.38%** 0.20% 1.58% 41.77% 10.76% 9.35%
Seek high current income and the opportunity for capital appreciation to produce a high total return.

Lord Abbett Bond Debenture Fund (Class R4)

 

Investment Adviser: Lord, Abbett & Co. LLC

 

 

 0.95% N/A N/A 8.49% 2.18% 4.81%

 

** When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
*** This information is being provided based on the fund’s most recent prospectus filing.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 The Lazard Emerging Markets Equity Portfolio is only available to plans offering the portfolio prior to July 19, 2010.

USP.294115-26

 23 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to deliver current income and the opportunity for capital appreciation by investing primarily in U.S. investment grade corporate, government, and mortgage- and asset-backed securities.

Lord Abbett Core Fixed Income Fund (Class A)1,2

 

Investment Adviser: Lord, Abbett & Co. LLC

 0.56% 0.20% 0.76% 7.08% -0.26% 1.95%
Seeks to deliver long-term growth of capital by investing primarily in stocks of small U.S. companies.

Lord Abbett Developing Growth Fund (Class A)1

Investment Adviser: Lord, Abbett & Co. LLC

 

 0.94% 0.20% 1.14% 14.37% -1.21% 11.02%
Seeks to deliver long-term growth of capital by investing primarily in stocks of U.S. companies.

Lord Abbett Fundamental Equity Fund (Class A)1

Investment Adviser: Lord, Abbett & Co. LLC

 

 0.93% 0.20% 1.13% 17.15% 13.29% 10.90%

Seeks to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies.

 

 

Lord Abbett Mid Cap Stock Fund (Class A)1,3

Investment Adviser: Lord, Abbett & Co. LLC

 1.02% 0.20% 1.22% 7.27% 10.32% 8.21%

 

*   When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 The Lord Abbett Core Fixed Income Fund is only available to plans offering the Fund prior to December 31, 2015.
3 The Lord Abbett Mid Cap Stock Fund is only available to plans offering the Fund prior to September 1, 2005.

USP.294115-26

 24 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to deliver long-term growth of capital by investing primarily in stocks of small U.S. companies.

Lord Abbett Small-Cap Value Fund (Class A)1,2

Investment Adviser: Lord, Abbett & Co. LLC

 

 1.21% 0.20% 1.41% 0.60% 7.25% 6.61%

Seeks capital appreciation.

 

Massachusetts Investors Growth Stock Fund (Class A)1

 

Investment Adviser: Massachusetts Financial Services Company

 0.71% N/A N/A 9.88% 10.08% 14.32%
Seeks total return. NYLI CBRE Real Estate Fund (Class A)***,1

Investment Adviser:  New York Life Investment Management LLC

Subadviser:  CBRE Investment Management		 1.18%** N/A N/A -0.62% 4.54% 3.98%
Seeks long-term growth of capital.

NYLI Winslow Large Cap Growth Fund (Class R3)****,1

Investment Adviser: New York Life Investment Management LLC

Subadviser: Winslow Capital Management, Inc.

 1.29%** N/A N/A 13.88% 12.10% 15.52%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
**   Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
***   Effective August 28, 2024, the MainStay CBRE Real Estate Fund (Class A) changed its name to the NYLI CBRE Real Estate Fund (Class A).
**** Effective August 28, 2024, the MainStay Winslow Large Cap Growth (Class R3) Fund changed its name to the NYLI Winslow Large Cap Growth Fund (Class R3).
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 The Lord Abbett Small-Cap Value Fund are only available to plans offering these Funds prior to September 1, 2005.

USP.294115-26

 25 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks growth of capital.

Neuberger Genesis Fund®

(Trust Class)**,1

 

Investment Adviser: Neuberger Berman Investment Advisers LLC

 0.84% 0.35% 1.19% -4.50% 2.93% 9.15%
Seeks long-term growth of capital by investing primarily in securities of companies that meet the Fund’s environmental, social and governance (ESG) criteria.

Neuberger Quality Equity Fund

(Trust Class)**,1,2

 

Investment Adviser: Neuberger Berman Investment Advisers LLC

 1.04% 0.35% 1.39% 17.18% 13.68% 13.28%
Seeks to maximize current income. Long-term capital appreciation is a secondary objective.

PIMCO Income Fund (Class A)

 

Investment Adviser: Pacific Investment Management Company LLC

 1.02% N/A N/A 10.08% 3.31% N/A
Seeks maximum real return, consistent with preservation of real capital and prudent investment management.

PIMCO VIT Real Return Portfolio

(Admin Class)

 

Investment Adviser: Pacific Investment Management Company LLC

 1.39% 0.25% 1.64% 7.85% 1.21% 3.21%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Effective July 28, 2025, the Neuberger Berman Sustainable Equity Fund changed its name to the Neuberger Quality Equity Fund.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2   The Neuberger Berman Quality Equity Fund is closed to new retirement plans.

USP.294115-26

 26 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks long-term growth of capital and current income.

Royce Small-Cap Total Return Fund (Service Class)1

 

Investment Adviser: Royce

 1.49%** 0.35% 1.84% 2.13% 8.53% 9.07%
Seeks to provide long-term capital appreciation by investing primarily in mid-sized companies that appear to be undervalued.

T. Rowe Price Mid-Cap Value Fund (Class R)1,2

 

Investment Adviser: T. Rowe Price Associates, Inc.

 1.38% N/A N/A 5.59% 11.25% 10.48%
Seeks long-term capital growth.

Templeton Foreign Fund (Class A)1

 

Investment Adviser: Templeton Global Advisors Limited

 

 

1.10%**

 

 

 0.20% 1.30% 21.29% 7.52% 5.98%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 The T. Rowe Price Mid-Cap Value Fund is only available to plans offering the Fund prior to February 25, 2005.

USP.294115-26

 27 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks long-term growth of capital.

The Hartford International Opportunities Fund

(Class R4)1,2

 

Investment Adviser: Hartford Funds Management Company, LLC (“HFMC”)

 

Subadviser: Wellington Management Company, LLP

 1.10% 0.10% 1.20% 29.80% 6.52% 7.71%
Seeks long-term capital appreciation by investing in equity and debt securities of all types. The secondary, non-fundamental goal of the Fund is to seek some current income.

Thornburg International Equity Fund (Class R4)1

 

Investment Adviser: Thornburg Investment Management, Inc. (“Thornburg”)

 1.15%** 0.10% 1.25%  33.79%  8.95% 8.92%
Seeks long-term capital appreciation and income growth.

Vanguard® Diversified Value Portfolio24,26

 

Investment Adviser: Hotchkis and Wiley Capital Management, LLC (Hotchkis and Wiley), Lazard Asset Management LLC (Lazard)

 

 

 0.28% 0.60% 0.88% 16.83% 13.24% 11.76%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 The Hartford International Opportunities Fund is closed to new retirement plans.

USP.294115-26

 28 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to provide an above-average level of current income and reasonable long-term capital appreciation.

Vanguard® Equity Income Portfolio1,2

 

Investment Adviser: Wellington Management Company LLP (Wellington Management, The Vanguard Group, Inc. (Vanguard)

 0.29% 0.60% 0.89% 16.80% 12.59% 11.52%
Seeks to provide long-term capital appreciation.

Vanguard® Small Company Growth Portfolio1,2

 

Investment Adviser: ArrowMark Partners, Vanguard Quantitative Equity Group

 0.29% 0.60% 0.89% 6.11% 3.81% 9.61%
Maximize total return through a combination of income and capital appreciation.

Victory Pioneer High Yield Fund (Class A)***,1

 

Investment Adviser: Amundi Asset Management US, Inc.

 1.10%** 0.20% 1.30% 7.57% 3.94% 5.42%
Seeks a high level of current income.

Victory Pioneer Strategic Income Fund

(Class A)****,1

 

Investment Adviser: Amundi Asset Management US, Inc.

 0.97%** 0.20% 1.17% 8.16% 4.21% 5.49%
Seeks to provide long-term capital growth by investing primarily in common stocks.

Victory Sycamore Established Value Fund (Class A)1,2

 

Investment Adviser: Victory Capital Management Inc.

 0.89% 0.10% 0.99% 2.33% 9.57% 10.60%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
*** Effective May 2, 2025, the Pioneer High Yield Fund (Class A) changed its name to the Victory Pioneer High Yield Fund (Class A).
**** Effective March 31, 2025, the Pioneer Strategic Income Fund (Class A) changed its name to the Victory Pioneer Strategic Income Fund (Class A).
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 The Victory Sycamore Established Value Fund is closed to new retirement investors. The Fund will continue to be available for investment by existing investors and through retirement plans that currently offer the Fund.

USP.294115-26

 29 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to provide capital appreciation.

Victory Sycamore Small Company Opportunity Fund (Class R)

 

Investment Adviser: Victory Capital Management Inc.

 1.44% 0.60% 2.04% 1.20% 6.45% 8.97%
Seeks long-term growth of capital and income.

Virtus NFJ Dividend Value Fund (Class A)1

 

Investment Adviser: Virtus Investment Advisers, Inc.

 

Subadviser: NFJ Investment Group, LLC

 1.03%** 0.20% 1.23% -0.83%** 5.03%** 5.78%**
Seeks long-term growth of capital and income.

Virtus NFJ Small-Cap Value Fund (Class A)1

 

Investment Adviser: Virtus Investment Advisers, Inc.

 

Subadviser: NFJ Investment Group, LLC

 1.17%** 0.20% 1.37% -0.16%** 4.04%** 4.22%**
Seeks to maximize income while maintaining prospects for capital appreciation.

Voya Balanced Income Portfolio (Class I)****

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 

 0.58%*** 0.25% 0.83% 11.96% 5.92% 7.16%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** This information is being provided based on the fund’s most recent prospectus filing.
*** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
**** Effective on or about July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya Balanced Income Fund.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.

USP.294115-26

 30 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to maximize total return through a combination of current income and capital appreciation.

Voya Global Bond Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.94%** N/A N/A 8.54% -2.54% 1.57%
Seeks to maximize total returns and maintain lower volatility relative to the overall market.

Voya Global High Dividend Low Volatility Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

 

 0.60%** N/A N/A 19.00% 10.52% 9.05%
Seeks to maximize total returns and maintain lower volatility relative to the overall market.

Voya Global High Dividend Low Volatility Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

 

 0.85%** N/A N/A 18.73% 10.25% 8.78%

Seeks capital appreciation.

 

Voya Global Insights Portfolio (Class I)***

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.81%** 0.25% 1.06% 24.31% 7.21% 10.97%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
*** Effective on or about July 17, 2026, the Voya Global Insights Portfolio will change its name to Voya Global Insights Fund.

USP.294115-26

 31 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks a high level of current income consistent with liquidity and safety of principal through investment primarily in Government National Mortgage Association (“GNMA”) mortgage-backed securities (also known as GNMA Certificates) that are guaranteed as to the timely payment of principal and interest by the U.S. government.

Voya GNMA Income Fund (Class A)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 

 0.54%** N/A N/A 7.36% 0.23% 1.14%
Seeks to provide high current return consistent with preservation of capital and liquidity, through investment in high-quality money market instruments while maintaining a stable share price of $1.00.

Voya Government Money Market Portfolio

(Class I)2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 0.40%** 0.50% 0.90% 4.02% 3.02% 1.96%

 

*   When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
**   Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 There is no guarantee that the Voya Government Money Market Portfolio Subaccount will have a positive or level return.

USP.294115-26

 32 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to maximize total return through investments in a diversified portfolio of common stock and securities convertible into common stocks. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.

Voya Growth and Income Portfolio (Class I)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 

 0.67%** 0.35% 1.02% 18.21% 15.46% 14.62%
Seeks to provide investors with a high level of current income and total return.

Voya High Yield Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.50% 0.10% 0.60% 8.80% 3.92% 5.82%
Seeks to provide investors with a high level of current income and total return.

Voya High Yield Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.75% 0.10% 0.85% 8.41% 3.66% 5.55%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 The Voya Growth and Income Portfolio is only available to those Contracts that were offering the ING Opportunistic LargeCap Portfolio (Class I) as of August 20, 2010.

USP.294115-26

 33 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to outperform the total return performance of the S&P 500® Index while maintaining a market level of risk.

Voya Index Plus LargeCap Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.55%** 0.40% 0.95% 15.20% 13.73% 13.90%
Seeks to outperform the total return performance of the S&P MidCap 400® Index while maintaining a market level of risk.

Voya Index Plus MidCap Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.60%** 0.40% 1.00% 8.16% 9.90% 9.75%
Seeks to outperform the total return performance of the S&P SmallCap 600® Index while maintaining a market level of risk.

Voya Index Plus SmallCap Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.60%** 0.40% 1.00% 8.27% 8.97% 9.23%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.

USP.294115-26

 34 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2030. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution 2030 Portfolio (Class S2)1,2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.63%** N/A N/A 14.92% 6.25% 7.99%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.
2 This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.

USP.294115-26

 35 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years

Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to

Retirement.

Voya Index Solution 2035 Portfolio (Class S2)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.62%** N/A N/A 16.63% 7.23% 8.82%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds.
  See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.

 

USP.294115-26

 36 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2040. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution 2040 Portfolio

(Class S2)1,2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 

 0.64%** N/A N/A 18.37% 8.48% 9.71%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.
2 This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.

 

USP.294115-26

 37 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution 2045 Portfolio (Class I)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 

 0.22%** N/A N/A 20.07% 9.75% 10.68%
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution 2045 Portfolio (Class S2)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 

 0.62%** N/A N/A 19.61% 9.30% 10.23%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.

 

USP.294115-26

 38 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2050. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution 2050 Portfolio (Class S2)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 

 0.66%** N/A N/A 20.09% 9.54% 10.33%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.
2 This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.

 

USP.294115-26

 39 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution 2055 Portfolio (Class S2)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 

 0.66%** N/A N/A 20.20% 9.59% 10.37%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.

 

USP.294115-26

 40 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2060. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution 2060 Portfolio (Class S2)1,2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 

 0.65%** N/A N/A 20.19% 9.64% 10.45%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.
2 This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.

USP.294115-26

 41 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2065. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution 2065 Portfolio (Class S2)1,2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.65%** N/A N/A 20.33% 9.73% N/A
Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution 2070 Portfolio (Class A)***


Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

 

 0.75%** N/A N/A N/A N/A N/A

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
*** Effective August 11, 2025, the Voya Index Solution 2070 Portfolio Class I has been added to the prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.
2 This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.

 

USP.294115-26

 42 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution 2070 Portfolio (Class S2)***

Investment Adviser: Voya Investments, LLC

Subadviser: Voya Investment Management Co. LLC

 0.65%** N/A N/A N/A N/A N/A
Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution Income Portfolio (Class A)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.71%** N/A N/A 11.30% 3.36% 4.92%
Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Index Solution Income Portfolio (Class S2)2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.61%** N/A N/A 11.36% 3.46% 5.02%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
*** Effective August 11, 2025, the Voya Index Solution 2070 Portfolio Class I has been added to the prospectus.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 This Fund employs a managed volatility strategy. See “INVESTMENT OPTIONS – The Variable Investment Options – Funds With Managed Volatility Strategies” for more information.

 

USP.294115-26

 43 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to maximize total return consistent with reasonable risk.

Voya Intermediate Bond Fund (Class A)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.68% N/A N/A 7.17% -0.24% 2.31%
Seeks to maximize total return consistent with reasonable risk. The Portfolio seeks its objective through investments in a diversified portfolio consisting primarily of debt securities. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.

Voya Intermediate Bond Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.55%** 0.35% 0.90% 7.71% 0.15% 2.66%
Seeks maximum total return.

Voya International High Dividend Low Volatility Portfolio (Class S)2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 1.01% N/A N/A 37.60% 11.59% 7.83%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 This Fund employs a managed volatility strategy. See “INVESTMENT OPTIONS – The Variable Investment Options – Funds With Managed Volatility Strategies” for more information.

USP.294115-26

 44 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of a widely accepted international index.

Voya International Index Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.45%** 0.25% 0.70% 30.89% 8.50% 7.91%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of a widely accepted international index.

Voya International Index Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.70%** 0.25% 0.95% 30.48% 8.21% 7.62%
A non-diversified Fund that seeks long-term capital appreciation.

Voya Large-Cap Growth Fund (Class A)2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.89% N/A N/A 14.95% 11.98% 14.86%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
**   Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.
2 This Fund is only available to those Contracts that were offering the ING Lord Abbett Growth and Income Portfolio (Class I) and the ING Pioneer Equity Income Portfolio (Class I) prior to January 21, 2011. Class S shares remain available for investment under the Contract.

USP.294115-26

 45 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
A non-diversified Portfolio that seeks long-term capital growth.

Voya Large Cap Growth Portfolio (Class S)***

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC and T. Rowe Price Associates Inc.****

 0.92%** N/A N/A 15.09% 11.96% 14.90%
Seeks long-term capital appreciation.

Voya MidCap Opportunities Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.83%** 0.15% 0.98% 3.90% 4.55% 10.97%
Seeks maximum long-term capital appreciation.

Voya Multi-Manager International Small Cap Fund (Class A)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Acadian Asset Management LLC and Victory Capital Management Inc.

 1.53%** N/A N/A 38.69% 9.40% 8.90%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
*** Effective November 21, 2025, the VY® T. Rowe Price Growth Equity Portfolio merged into the Voya Large Cap Growth Portfolio.
**** Effective October 27, 2025, T. Rowe Price Associates Inc. was added as a sub-adviser to Voya Large Cap Growth Portfolio.
1 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.

 

USP.294115-26

 46 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Growth Index.

Voya RussellTM Large Cap Growth Index Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.68%** N/A N/A 17.82% 15.95% 18.35%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Index.

Voya RussellTM Large Cap Index Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.36%** 0.25% 0.61% 18.75% 14.72% 15.36%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Value Index.

Voya RussellTM Large Cap Value Index Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.68%** N/A N/A 17.69% 11.42% 10.25%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.

 

USP.294115-26

 47 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap® Index.

Voya RussellTM Mid Cap Index Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.40%** 0.25% 0.65% 10.08% 8.26% 10.59%
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell 2000® Index.

Voya RussellTM Small Cap Index Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.43%** 0.25% 0.68% 12.51% 5.75% 9.29%
Seeks growth of capital primarily through investment in a diversified portfolio of common stock of companies with smaller market capitalizations.

Voya Small Company Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.87%** N/A N/A 8.59% 6.26% 8.39%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.

 

USP.294115-26

 48 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks long-term capital appreciation.

Voya SmallCap Opportunities Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.92%** 0.20% 1.12% 14.80% 5.85% 9.11%
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2030. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Solution 2030 Portfolio (Class S2)1,2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 1.12%** N/A N/A 14.13% 5.97% 7.79%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.

USP.294115-26

 49 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Solution 2035 Portfolio (Class S2)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 1.13%** N/A N/A 15.84% 7.06% 8.52%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.

USP.294115-26

 50 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2040. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal.

Voya Solution 2040 Portfolio (Class S2)1,2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 

 1.13%** N/A N/A 17.71% 8.17% 9.41%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.
2 This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.

USP.294115-26

 51 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Solution 2045 Portfolio (Class S2)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 1.15%** N/A N/A 19.06% 8.92% 9.77%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.

USP.294115-26

 52 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2050. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Solution 2050 Portfolio (Class S2)1,2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 1.16%** N/A N/A 19.44% 9.13% 9.89%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.
2 This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.

 

USP.294115-26

 53 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal.

Voya Solution 2055 Portfolio (Class S2)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 1.18%** N/A N/A 19.51% 9.18% 9.93%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.

 

USP.294115-26

 54 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2060. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Solution 2060 Portfolio (Class S2)1,2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 1.18%** N/A N/A 19.44% 9.13% 9.89%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.
2 This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.

USP.294115-26

 55 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2065. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Solution 2065 Portfolio (Class S2)1,2

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 1.18%** N/A N/A 19.55% 9.23% N/A
Seeks to provide capital appreciation.

Voya Solution Aggressive Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.77%** 0.15% 0.92% 16.87% 9.89% 10.55%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.
2 This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.

 

USP.294115-26

 56 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks to provide total return (i.e., income and capital appreciation, both realized and unrealized).

Voya Solution Balanced Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.75%** 0.15% 0.90% 13.05% 6.84% 8.04%
Seeks to provide total return (i.e., income and capital growth, both realized and unrealized) consistent with preservation of capital.

Voya Solution Conservative Portfolio (Class I)

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 

 0.66%** 0.15% 0.81% 8.33% 2.97% 4.77%
Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.

Voya Solution Income Portfolio (Class S2)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 1.08%** N/A N/A 10.72% 3.18% 4.99%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.
2   This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.

USP.294115-26

 57 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Bloomberg U.S. Aggregate Bond Index.

Voya U.S. Bond Index Portfolio (Class I)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Voya Investment Management Co. LLC

 0.36%** 0.25% 0.61% 6.70% -0.75% 1.64%
Seeks long-term capital growth. Income is a secondary objective.

VY® American Century Small-Mid Cap Value Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: American Century Investment Management, Inc.

 1.10%** N/A N/A 4.99% 8.19% 9.00%
Seeks capital appreciation.

VY® Baron Growth Portfolio (Class S)***

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: BAMCO, Inc.

 1.25%** N/A N/A -10.94% -0.34% 9.17%
Seeks total return including capital appreciation and current income.

VY® Columbia Real Estate Portfolio (Class S)****

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Columbia Management Investment Advisers, LLC

 1.00%** 0.10% 1.10% 0.03% 5.67% 4.80%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
*** Effective on or about July 17, 2026, the VY® Baron Growth Portfolio will merge into the Voya MidCap Opportunities Fund.
**** Effective January 21, 2026, the VY® CBRE Real Estate Portfolio changed its name to the VY® Columbia Real Estate Portfolio and the subadviser changed from CBRE Investment Management Listed Real Assets, LLC to the Columbia Management Investment Advisers, LLC.

 

USP.294115-26

 58 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks total return consisting of long-term capital appreciation and current income.

VY® Columbia Contrarian Core Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Columbia Management Investment Advisers, LLC

 0.96%** N/A N/A 17.08% 13.87% 14.01%
Seeks long-term growth of capital.

VY® Columbia Small Cap Value and Inflection Portfolio (Class S)***

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Columbia Management Investment Advisers, LLC

 1.18%** N/A N/A 8.04% 9.60% 8.92%
Seeks capital growth and income.

VY® Invesco Comstock Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Invesco Advisers, Inc.

 0.97%** N/A N/A 17.02% 14.95% 11.75%
Seeks total return consisting of long-term capital appreciation and current income.

VY® Invesco Equity and Income Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Invesco Advisers, Inc.

 0.89%** N/A N/A 12.53% 8.55% 8.59%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
*** Effective May 1, 2026, the VY® Columbia Small Cap Value II Portfolio changed its name to the VY® Columbia Small Cap Value and Inflection Portfolio.

 

USP.294115-26

 59 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks long-term growth of capital and income.

VY® Invesco Growth and Income Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: Invesco Advisers, Inc.

 0.90% 0.10% 1.00% 15.35% 12.82% 10.72%
Seeks capital appreciation.

VY® JPMorgan Emerging Markets Equity Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: J.P. Morgan Investment Management Inc.

 1.44%** 0.10% 1.54% 38.77% 0.04% 9.00%
Seeks growth from capital appreciation.

VY® JPMorgan Mid Cap Value Portfolio (Class S)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: J.P. Morgan Investment Management Inc.

 1.10%** N/A N/A 4.37% 9.26% 8.48%
Seeks capital growth over the long-term.

VY® JPMorgan Small Cap Core Equity Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: J.P. Morgan Investment Management Inc.

 1.14% 0.10% 1.24% 3.65% 4.63% 8.77%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
**   Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 The VY® JPMorgan Mid Cap Value Portfolio is only available to plans offering the Fund prior to February 7, 2014.

USP.294115-26

 60 
INVESTMENT OBJECTIVE

FUND NAME INVESTMENT ADVISER/SUBADVISER

 CURRENT EXPENSES

PLATFORM

CHARGES

CURRENT

EXPENSES

+

PLATFORM

CHARGES*

AVERAGE ANNUAL TOTAL RETURNS

(as of 12/31/2025)

1 Year 5 Years 10 Years
Seeks, over the long-term, a high total investment return, consistent with the preservation of capital and with prudent investment risk.

VY® T. Rowe Price Capital Appreciation Portfolio (Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: T. Rowe Price Associates, Inc.

 0.90% 0.10% 1.00% 12.02% 9.22% 11.04%
Seeks long-term capital appreciation.

VY® T. Rowe Price Diversified Mid Cap Growth Portfolio

(Class I)1

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: T. Rowe Price Associates, Inc.

 0.80%** N/A N/A 9.92% 7.24% 12.78%
Seeks long-term capital appreciation.

VY® T. Rowe Price Diversified Mid Cap Growth Portfolio

(Class S)

 

Investment Adviser: Voya Investments, LLC

 

Subadviser: T. Rowe Price Associates, Inc.

 1.05%** N/A N/A 9.67% 6.97% 12.49%
Seeks high current return.

Western Asset Mortgage Total Return Fund

(Class A)2

 

Investment Adviser: Legg Mason Partners Fund Advisor, LLC

 

Subadviser: Western Asset Management Company, LLC

 0.98% 0.05% 1.03% 3.61% -0.83% 1.15%

 

* When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.
** Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.
1 The VY® T. Rowe Price Diversified Mid Cap Growth Portfolio is only available to plans that were offering Class I prior to November 3, 2005. Class S shares remain available for investment under the Contract.
2 This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public funds under 403(b) or Roth 403(b) annuity contracts.

USP.294115-26

 61 

Fixed Interest Options

 

The following is a list of Fixed Interest Options currently available under the Contract. We may change the features of the Fixed Interest Options listed below, offer new Fixed Interest Options, and terminate existing Fixed Interest Options. We will provide you with written notice before doing so.

 

Note: If amounts are withdrawn from the Guaranteed Accumulation Account before the end of a Guaranteed Term, we may apply a Market Value Adjustment. This may result in a significant reduction in your Account Value.

 

For more information about the Fixed Interest Options and the Market Value Adjustment, see “THE INVESTMENT OPTIONS – Fixed Interest Options” and “CHARGES, FEES AND ADJUSTMENTS – Market Value Adjustment.”

 

Name Term* Minimum Guaranteed Interest Rate**
Guaranteed Accumulation Account 1 month to 10 years 0.25%
The Fixed Plus Account II N/A 1.50%
The Fixed Plus Account II A N/A 1.00%

 

* The terms available under your plan may vary.
** The minimum guaranteed interest rate for your Contract is stated in your Contract, and will not be less than stated.

 

USP.294115-26

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This summary Prospectus incorporates by reference the full Voya MAP Plus NPSM Contract prospectus and Statement of Additional Information (“SAI”), each dated May 1, 2026, as amended or supplemented. You can find these documents online at https://vpx.broadridge.com/getcontract1.asp?doctype=pros&dtype=usp&cid=voyavpx&fid=92912K216 for the Contract Prospectus and https://vpx.broadridge.com/getcontract1.asp?doctype=sai&dtype=usp&cid=voyavpx&fid=92912K216 for the SAI. You can also obtain these documents at no cost by calling 1-800-584-6001 or by sending an email request to [email protected].

 

Reports and other information about the Variable Annuity Account C, and Voya Retirement Insurance and Annuity Company, are available on the Commission’s website at http://www.sec.gov. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: [email protected].

 

EDGAR Contract Identifiers: C000002964
  C000275682

 

USP.294115-26

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