CREATE YOUROWN STORY
Announcing enhancements to the
Florida International University
403(b) Voluntary Retirement Savings PlanTABLE OF CONTENTS
Enhanced features to help you plan and save for retirement ..........................................2
New plan features ....................................................................................................................3
Key dates for retirement plan updates ................................................................................4
Informational events ...............................................................................................................4
Additional resources................................................................................................................4
Participants with a discontinued provider ..........................................................................5
Overview of retirement plan fees..........................................................................................7
Default investment options.....................................................................................................8
Service updates and investment lineup changes
TIAA .......................................................................................................................................9Voya .....................................................................................................................................14
Fidelity .................................................................................................................................16
Guidance and planning resources........................................................................................24
Q&A ...........................................................................................................................................26
Disclosures ..............................................................................................................................28
We’re here to help .................................................................................................. Back cover

Información en español
Para leer este material en español, visite TIAA.org/fiu.

Preguntas en español?
Llama a TIAA 800-842-2252, opción 9, de lunes a viernes de 8 a.m. a 8 p.m. (ET).

Enfòmasyon an Kreyòl
Pou w li enfòmasyon sa a an Kreyòl, ale sou TIAA.org/fiu.

Si ou gen kesyon an Kreyòl?
Rele liy pou lang pa w lan. Kise TIAA, 800-874-9426, lasemèn, 8 a.m. jiska 10 p.m. (ET).
Antre nimewo idantifikasyon kliyan an ki se 736152.
1

Peze #2 epi di, “Kreyòl.”ENHANCED FEATURES TO HELP YOU PLAN AND SAVEFOR RETIREMENTThe Florida International University (FIU) 403(b) Voluntary Retirement Savings Plan (the plan) is an importantcomponent of your overall employee benefits package. FIU recently completed a comprehensive review ofthe plan and is pleased to announce several enhancements—including new investment options, services
and tools—that can help you plan for your retirement savings goals. These enhancements will be fully
implemented by the week of September 30, 2024.

•	Provider choices. FIU will offer three service providers for ongoing contributions: TIAA, Voya, and Fidelity.
If you are a current participant with a discontinued provider (see below), you will need to select one or moreof these three ongoing providers for your future contributions to the plan. If you do not make a choice, TIAA
will serve as the default provider (see page 6). You may change your provider at any time once the newservices are implemented.
Discontinued providers. The providers below will no longer be offered in the plan.
•	Corebridge Financial (formerly AIG)•	Equitable•	ING ReliaStar Life Insurance Company•	Jefferson National Life Insurance Company•	MetLife Investors USA Insurance Company•	Symetra Life Insurance Company•	T. Rowe Price•	Vanguard
The current balances at these providers will remain in those existing accounts. You may want to consider
consolidating those accounts with one of the remaining active providers.
If you are currently only contributing to TIAA, Voya, and/or Fidelity, or not contributing to the plan,
there is no action required.

•	Increased fee transparency. A new fee structure will make it easier to view the cost of each investment
option as well as fees paid for plan administration.

•	New investment options. FIU and CAPTRUST, an independent investment advisor, carefully selected

a range of investments, including some with lower costs. Some current investments will be removed, andothers will be transferred to the new options.

•	New Retirement@Work® website. All of your 403(b) Voluntary Retirement Savings Plan account information
will be in one place, regardless of the investment provider—making it easier to manage your account(s).
This new system will also offer you the option to automatically increase your contribution to the plan.
Additional information about this new website will be provided in early October 2024.

•	Retirement plan investment advice. You can continue to receive advice on investment options from yourproviders’ consultants. Each remaining provider offers this service.

No longer employed by FIU? Although you are not actively contributing to the retirement plan, you havea balance in the plan. While you don’t have to take action at this time, you should review this information
to learn how the changes may affect you. If you have questions regarding your FIU 403(b) Plan account,please contact your current provider.

2

NEW PLAN FEATURESManaged accounts
Both Voya and Fidelity will add the option of managed accounts to the plan. TIAA already provides this service andis reducing the associated fee. Read more about these services in each provider’s section later in this guide.
Brokerage
TIAA, Voya, and Fidelity will each offer a brokerage account option. This option provides you access to thousandsof additional mutual funds. Please be aware that neither FIU nor CAPTRUST monitor these investments and there
may be additional costs or required balances to invest in the brokerage accounts.
Self-directed auto increase option
Beginning the week of September 30, 2024, you will have the option to use a self-directed auto increase option
to help build your savings faster.
Simply log in to your account and select Change your contributions under the Actions menu. You can choose
when you would like to automatically increase your contributions, the rate of the increase (percentage), andwhen you would like to start and stop the automatic increase.
New Roth in-plan conversion feature
Beginning September 24, 2024, you will have the opportunity to convert some (or all) of your pretax retirement
plan savings (contributions and earnings) to Roth with the Roth in-plan conversion feature.
Roth in-plan conversions cannot be reversed after the change is made. The amount converted is treatedas taxable income in the year of conversion. Taxes are not directly withheld from your account as partof the conversion.
Before electing a Roth in-plan conversion, you should consult with your personal tax advisor to ensure thisstrategy is consistent with your overall personal financial goals. For more information about the Roth in-planconversion feature, please contact your provider.
Introducing Retirement@Work®
Retirement@Work® makes it easier for you to manage contributions and investment provider choices for theplan. It also gives you greater access to your retirement plan by bringing together information on all of theplan’s investment providers in one spot for a more complete picture of your retirement savings. The new system
will be available the week of September 30, 2024.
Retirement@Work makes it easier for you to:Track your progress. Get a snapshot of allof your investments, and view current andpast transactions.
Make informed decisions. Learn more about
your retirement plan, and use calculatorsand other tools to help plan for the type of
retirement you want.
Choose your investment provider(s).
FIU has three approved service providers
that offer investment options for theretirement plan (TIAA, Voya, and Fidelity).
Contribute to one or more providers andget consolidated account information on
the site.

3

Log in to your account.
All current employees will have access to the
new system the week of September 30, 2024.
You will receive an email with instructions on
how to log in and use the system once it islive—and see for yourself how you can engage
with your financial future.
Please note: While FIU is transitioning to the
new system, from September 11, 2024, toOctober 1, 2024, you will not be able to enroll in
the plan, make changes to your contribution rate,or change provider(s). You can still access youraccount, view your balance, update beneficiaries,
make transfers/withdrawals, and review investment
information. See additional details on page 4.
When the system is available, it will be announced
on PantherSoft “Announcements” and in HR Newsand Updates, with a Quick Start Guide to help you
get started.

KEY DATES FOR RETIREMENT PLAN UPDATESKey dates (2024)

EventsNow – September 10

Participants with a discontinued provider. For future contributions, open a
new account with TIAA, Voya, and/or Fidelity, and complete the salary reduction
agreement in PantherSoft by September 10, 2024, at 4 p.m. (ET).

August 22 andSeptember 5
September 11 –October 1

Voluntary Retirement Plans Consolidation Meeting. Informational meetings
to review the upcoming changes. Register at go.fiu.edu/82158865135.
Quiet period. You will not be able to join the plan or make changes to yourcontribution amount or provider due to system updates. You can still access youraccount, view your balance, update beneficiaries, make transfers/withdrawals,
and review investment information.

September 20

Last contribution to discontinued providers. Final payroll contribution to
discontinued providers.
Plan changes take effect.
• Investments transfer to new options.
• Fee updates go into effect.
•	Additional retirement plan services and options become available across all
remaining vendors, including new investment options.
Retirement@Work® is live. This is the new online portal you can use to enroll in
the plan, and where current participants can make changes to future contributions
or change providers.

September 24

Week ofSeptember 30
October 4 payroll

Participants with a discontinued provider. Enrollment with your new provider
will be effective, and you will be sent an enrollment confirmation.
The first contribution is directed to the new investments at your selected provider
or the default provider, TIAA. Current contribution amounts will be applied tothose investments unless you make an update.

INFORMATIONAL EVENTSTo learn more about the updates to the plan, attend a virtual informational webinar—Voluntary Retirement Plans
Consolidation Meeting—on the dates and times listed below. Register to attend at go.fiu.edu/82158865135.
Dates (2024)

Times (ET)Thursday, August 22

12 p.m.

Thursday, September 5

12 p.m.

You may also join us at the AirMeet virtual meeting to ask questions. Space is limited. Event details will beshared on HR News and Updates in August 2024.
Date (2024)

Time (ET)Friday, August 23

10 a.m. – 2 p.m.

ADDITIONAL RESOURCES
As a participant in the plan, you have access to one-on-one guidance from a financial professional andonline resources—no matter which provider you choose—at no additional cost to you. See pages 24-25 orvisit hr.fiu.edu/employees-affiliates/benefits/#retirement-options for more information.

4

PARTICIPANTS WITH A DISCONTINUED PROVIDERYour transition experience
Open election period from now through September 10, 2024
Three providers will be available for you to choose from for your ongoing contributions: TIAA, Voya, and Fidelity.
If you currently utilize a discontinued provider, shown in the box below, you will need to choose a new provider.
If you do not choose a new provider, your future contributions will go to the default provider, TIAA, beginningwith the payroll on October 4, 2024. You will have the opportunity to change this if you wish once the new
Retirement@Work® online portal is live.
Discontinued providers for the 403(b) Plan
• Corebridge Financial (formerly AIG)
• Equitable• ING ReliaStar Life Insurance Company• Jefferson National Life Insurance Company• MetLife Investors USA Insurance Company• Symetra Life Insurance Company• T. Rowe Price• Vanguard

How to choose a new provider
From now through September 10, 2024, at 4 p.m. (ET), follow the steps below to make your new provider
election for future contributions. First, open a new account with TIAA, Voya, and/or Fidelity, and then complete
the salary reduction agreement in PantherSoft. If no action is taken, you will be defaulted to TIAA as yournew provider for the October 4, 2024, payroll.
Step 1: Open a new accountContact TIAA, Voya, and/or Fidelity directly to open an account and select your investments and beneficiaries.
• TIAA: TIAA.org/fiu or 800-842-2252 (Access code FIUTDA)• Voya: fiu.beready2retire.com or 800-584-6001 (Plan number 664818; Verification code 017591)• Fidelity: netbenefits.com/ready2enroll or 800-343-0860 (Plan number 61540)
Step 2: Complete the salary reduction agreement in PantherSoft• Access PantherSoft HR Employee Self Service.
• Enter your FIU credentials to log in.
• Click the Employee tab.
•	Navigate to Human Resources Self Service >Employee Self Service > Employee Forms.

5• Click Benefit Forms.
• Select Retirement Voluntary Contribution.
•	Complete the form and select Submit at thebottom of the page.

Your new account with TIAA, Voya, or Fidelity
If you choose TIAA or take no action
If you choose TIAA or take no action for your future contributions by September 10, 2024, youwill be enrolled in a new TIAA account by the October 4, 2024, payroll and sent an enrollment
confirmation. Your beneficiary designation will be set to “Estate,” and your investment allocations
will be directed to the Nuveen Lifecycle Index Fund that corresponds to the year you turn age 65
if you don’t make another election. You can change your investment at any time.
Once you receive your enrollment confirmation, you should log in to your TIAA account to review
your investment options and designate a beneficiary for your account. You can make these
updates at any time.
If you choose Voya
If you choose Voya, you will be enrolled in a new Voya account by the October 4, 2024, payroll.
Your beneficiary designation will be set according to the rules of the plan, and your investment
allocations will be directed to the Vanguard Target Retirement Fund that corresponds to theyear you turn age 65 if you don’t make another election. You can change your investment at
any time.
Once you receive your enrollment confirmation, you should log in to your Voya account to review
your investment options and designate a beneficiary for your account. You can make these
updates at any time.
If you choose Fidelity
If you choose Fidelity, you will be enrolled in a new Fidelity account by the October 4, 2024,
payroll. Your beneficiary designation will be set according to the rules of the plan, and yourinvestment allocations will be directed to the Vanguard Target Retirement Fund that
corresponds to the year you turn age 65 if you don’t make another election. You can change
your investment at any time.
Once you receive your enrollment confirmation, you should log in to your Fidelity account toreview your investment options and designate a beneficiary for your account. You can makethese updates at any time.

What happens to my future contributions and existing balance(s)?
No later than your October 4, 2024, payroll, all contributions will be directed to yournew provider.
You can choose investments for your future contributions from your new provider’sinvestment lineup. If no selection is made, future contributions will be invested in
the default fund.
Futurecontributions• For TIAA, the default fund is the Nuveen Lifecycle Index Fund that corresponds toyour anticipated retirement date at age 65.

• For Voya and Fidelity, the default fund is the Vanguard Target Retirement Fundthat corresponds to your anticipated retirement date at age 65.

See page 8 for more details on these default investments.
Any account balance(s) you have with the discontinued providers will remain in
those account(s).
Existingbalance(s)If you would like more information on transferring your account balance(s) to yournew provider, contact TIAA, Voya, or Fidelity for assistance.

See Disclosures beginning on page 28 for important details on Investment, insurance and annuity products.

6

OVERVIEW OF RETIREMENT PLAN FEES
When making decisions about your retirement account, it’s important to consider any expenses associatedwith the plan’s services and investment options.

Understanding retirement plan fees and fee transparency
Your plan assesses an annual administrative fee to cover services such as recordkeeping, legal, accounting,investment advisory, and other plan and participant services. In the past, you did not see separate charges
for these retirement plan-related costs on your statements. These costs were netted against your investment
balances and were based on the total assets in your account. The recordkeeping and administrative fees will
now be assessed separately and shown on your quarterly statement. As you plan your financial goals, keep inmind that fees are just one factor in the decision-making process.

Administrative services associated with your retirement plan
While there have always been fees associated with the administration of the plan, a new fee structure will makeit easier to view the cost of each investment option as well as fees paid for plan administration. These fees
will generally be lower than what they have been in the past. Effective September 24, 2024, an annual plan
servicing fee will be deducted proportionally from your investments each quarter. This fee will be assessed toeach investment you choose in the plan.
This chart shows the plan servicing fee by provider.
Fee

Amount per$10,000 invested

TIAA

0.087%

$8.70

Voya

0.200%$20.00TIAA Plan Servicing Feeor Credit
Voya Asset-Based Fee

Fidelity

0.1925%$19.25

Fees or Credits

ProviderShown on quarterly
statement as

Fee transparency and resources
Fees are based on the services and investment options you choose. Here’s where you can find more information:•A dministrative fees: These appear on your account statements.
• I nvestment fees: Enter an investment’s ticker into the search feature on your provider’s website or request
a prospectus or disclosure statement from TIAA, Voya, or Fidelity.

• F ees for other services: Review information on services covered in this guide or contact TIAA, Voya, or Fidelity.
See Disclosures beginning on page 28 for important details on Fees and expenses.

7

DEFAULT INVESTMENT OPTIONS
TIAA
If you don’t choose an investment option, a Nuveen Lifecycle Index Fund will be selected for you based onyour projected retirement date (assuming a retirement age of 65). Each fund provides a diversified retirement
portfolio. If you do not want to invest in the default option, you can change your investments at any time.
Nuveen Lifecycle Index Funds
Fund

Birth years

TickerNuveen Lifecycle Index 2015 Fund R6

Prior to 1954

TLFIX

Nuveen Lifecycle Index 2020 Fund R6

1954 – 1958

TLWIX

Nuveen Lifecycle Index 2025 Fund R6

1959 – 1963

TLQIX

Nuveen Lifecycle Index 2030 Fund R6

1964 – 1968

TLHIX

Nuveen Lifecycle Index 2035 Fund R6

1969 – 1973

TLYIX

Nuveen Lifecycle Index 2040 Fund R6

1974 – 1978

TLZIX

Nuveen Lifecycle Index 2045 Fund R6

1979 – 1983

TLXIX

Nuveen Lifecycle Index 2050 Fund R6

1984 – 1988

TLLIX

Nuveen Lifecycle Index 2055 Fund R6

1989 – 1993

TTIIX

Nuveen Lifecycle Index 2060 Fund R6

1994 – 1998

TVIIX

Nuveen Lifecycle Index 2065 Fund R6

1999 to present

TFITX

For more information on the full investment lineup at TIAA, please refer to pages 9-13.

Voya and Fidelity
If you don’t choose an investment option, a Vanguard Target Retirement Fund will be selected for you based onyour projected retirement date (assuming a retirement age of 65). Each fund provides a diversified retirement
portfolio. If you do not want to invest in the default option, you can change your investments at any time.
Vanguard Target Retirement Funds
Fund

Birth years

TickerVanguard Target Retirement Income Fund

Prior to 1953

VTINX

Vanguard Target Retirement 2020 Fund

1953 – 1957

VTWNX

Vanguard Target Retirement 2025 Fund1958 – 1962

VTTVX

Vanguard Target Retirement 2030 Fund

1963 – 1967

VTHRX

Vanguard Target Retirement 2035 Fund

1968 – 1972

VTTHX

Vanguard Target Retirement 2040 Fund1973 – 1977

VFORX

Vanguard Target Retirement 2045 Fund1978 – 1982

VTIVX

Vanguard Target Retirement 2050 Fund1983 – 1987

VFIFX

Vanguard Target Retirement 2055 Fund1988 – 1992

VFFVX

Vanguard Target Retirement 2060 Fund

1993 – 1997

VTTSX

Vanguard Target Retirement 2065 Fund1998 – 2002

VLXVX

Vanguard Target Retirement 2070 Fund2003 to present

VSVNX

For more information on the full investment lineup at:• Voya, please refer to pages 14-15.
• Fidelity, please refer to pages 16-23.
See Disclosures beginning on page 28 for important details on Investment, insurance and annuity products.
8

SERVICE UPDATES AND INVESTMENT LINEUP CHANGESIntroducing a self-directed brokerage option
The TIAA Brokerage option will provide you with the opportunity to allocate a portion of your account balances
to a wide range of mutual funds beyond those offered in the core investment menu. Choices include thousandsof investment options from well-known mutual fund families. You can transfer and/or allocate up to 90% of
any available balances to your TIAA Brokerage account. Keep in mind that neither FIU nor CAPTRUST selects
nor monitors investment funds available through self-directed brokerage accounts, and TIAA does notoffer investment advice for balances in these accounts. To learn more, call TIAA Brokerage at 800-842-2252,
weekdays, 8 a.m. to 7 p.m. (ET).

Roth in-plan conversion
The plan at TIAA offers the option to make Roth after-tax contributions in addition to pretax contributions. With theRoth option, taxes are paid at the time of contribution, so you have the potential to withdraw them and the amountthat is earned on these contributions tax-free. Withdrawals of earnings after age 59½ are tax free if the distribution
is taken no earlier than five years after the Roth contributions were first made. The plan will also now offer the option
for in-plan Roth conversions, which allow participants to directly convert eligible pretax contributions plus earnings
to a designated Roth contribution. Before electing a Roth in-plan conversion, consult your personal tax advisor toensure this strategy is consistent with your overall personal financial goals.

Lower fee for the Retirement Plan Portfolio Manager service
TIAA’s Retirement Plan Portfolio Manager is an optional fee-based advisory service that offers professional
management of your retirement account. With this service, your account will be reviewed quarterly andautomatically adjusted to help keep it on track with your retirement goals.
For those who choose to enroll in this service and for those already using it, the annual fee is being reduced from
0.40% to 0.25%, which will be deducted from your account each quarter. The fee is based on an average dailybalance of your account during the quarter. For example, if your average daily account balance is $10,000, then theannual fee is $10,000 x 0.0025 = $25, or $6.25 per quarter. The fee will continue each quarter as long as the service
is active. You may terminate your participation in the service at any time upon written or verbal notice to TIAA.
To learn more, contact a TIAA financial consultant by calling 855-728-8422, weekdays, 8 a.m. to 7 p.m. (ET). If you
prefer to enroll online, visit TIAA.org/managemyretirement for more information on how to get started.

Investment choices for you
The following investment options will be available at TIAA.
Annual fundoperating expenses

Plan servicing fee calculations(A + B = C)

TickerGrossexpenseratio %

Net
expenseratio %

CREF Social Choice Account Class R3(variable annuity)

QCSCIX

0.220

0.220

0.100

(0.013)0.087

Nuveen Lifecycle Index 2015 Fund R6

TLFIX

0.200

0.100

0.000

0.087

0.087

Nuveen Lifecycle Index 2020 Fund R6

TLWIX

0.190

0.100

0.000

0.087

0.087

Nuveen Lifecycle Index 2025 Fund R6

TLQIX

0.180

0.100

0.000

0.087

0.087

Fund/AccountA.
B. Plan
Revenue
servicingsharing % fee/(credit) %C. Total
admin.
fee %Allocation tier

9Annual fundoperating expenses

Plan servicing fee calculations(A + B = C)

Fund/AccountTickerGrossexpenseratio %

Net
expenseratio %A.
B. Plan
Revenue
servicingsharing % fee/(credit) %C. Total
admin.
fee %Nuveen Lifecycle Index 2030 Fund R6

TLHIX

0.180

0.100

0.000

0.087

0.087

Nuveen Lifecycle Index 2035 Fund R6

TLYIX

0.170

0.100

0.000

0.087

0.087

Nuveen Lifecycle Index 2040 Fund R6

TLZIX

0.170

0.100

0.000

0.087

0.087

Nuveen Lifecycle Index 2045 Fund R6

TLXIX

0.170

0.100

0.000

0.087

0.087

Nuveen Lifecycle Index 2050 Fund R6

TLLIX

0.170

0.100

0.000

0.087

0.087

Nuveen Lifecycle Index 2055 Fund R6

TTIIX

0.170

0.100

0.000

0.087

0.087

Nuveen Lifecycle Index 2060 Fund R6

TVIIX

0.180

0.100

0.000

0.087

0.087

Nuveen Lifecycle Index 2065 Fund R6

TFITX

0.380

0.100

0.000

0.087

0.087

Nuveen Lifecycle Index Retirement
Income Fund R6

TRILX

0.220

0.100

0.000

0.087

0.087

Vanguard 500 Index Fund Admiral Shares

VFIAX

0.040

0.040

0.000

0.087

0.087

Vanguard Mid-Cap Index Fund
Admiral Shares

VIMAX

0.050

0.050

0.000

0.087

0.087

Vanguard Small-Cap Index Fund
Admiral Shares

VSMAX

0.050

0.050

0.000

0.087

0.087

Vanguard Total Bond Market Index Fund
Admiral Shares

VBTLX

0.050

0.050

0.000

0.087

0.087

Vanguard Total International Stock Index
Fund Admiral Shares

VTIAX

0.120

0.120

0.000

0.087

0.087

American Funds EuroPacific Growth
Fund® Class R-6

RERGX

0.470

0.470

0.000

0.087

0.087

CREF Money Market Account Class R3(variable annuity)

QCMMIX

0.190

0.190

0.100

(0.013)

0.087

CREF Stock Account Class R3(variable annuity)

QCSTIX

0.255

0.255

0.100

(0.013)0.087

GQG Partners Emerging Markets Equity
Fund R6 Shares

GQGRX

0.980

0.980

0.000

0.087

0.087

JPMorgan Core Plus Bond Fund Class R6

JCPUX

0.390

0.380

0.000

0.087

0.087

JPMorgan Large Cap Growth FundClass R6

JLGMX

0.520

0.440

0.000

0.087

0.087

MainStay MacKay High Yield Corporate
Bond Fund Class R6

MHYSX

0.560

0.560

0.000

0.087

0.087

MassMutual Small Cap Growth Equity
Fund Class I

MSGZX

0.870

0.870

0.000

0.087

0.087

Passive tier

Active tiercontinued
10

TIAA (continued)
SERVICE UPDATES AND INVESTMENT LINEUP CHANGESAnnual fundoperating expenses

Plan servicing fee calculations(A + B = C)

Fund/AccountTickerGrossexpenseratio %MFS Mid Cap Growth Fund Class R6

OTCKX

0.670

0.660

0.000

0.087

0.087

MFS Mid Cap Value Fund Class R6

MVCKX

0.630

0.620

0.000

0.087

0.087

MFS Value Fund Class R6

MEIKX

0.450

0.440

0.000

0.087

0.087

Principal SmallCap Value Fund IIClass R-6

PSMVX

0.960

0.940

0.000

0.087

0.087

TIAA Real Estate Account(variable annuity)

QREARX

1.015

1.015

0.240

(0.153)

0.087

TIAA Traditional Annuity(guaranteed annuity)

N/A

N/A

N/A

0.150

(0.063)

0.087

VMFXX

0.110

0.110

0.000

0.087

0.087

Vanguard Federal Money Market Fund
Investor SharesNet
expenseratio %A.
B. Plan
Revenue
servicingsharing % fee/(credit) %C. Total
admin.
fee %Plan offsets within your individually owned investment accounts
The following table details each annuity option within your Retirement Annuity, Supplemental Retirement
Annuity and/or Group Supplemental Retirement Annuity account(s) that is no longer available for contributions.
These remaining annuities will continue to credit plan offsets.
Annual fundoperating expenses
Net
expenseratio %

Plan servicing fee calculations(A + B = C)

Account

TickerGrossexpenseratio %A.
B. Plan
Revenue
servicingsharing % fee/(credit) %C. Total
admin.
fee %CREF Core Bond Account Class R3(variable annuity)

QCBMIX

0.250

0.250

0.100

(0.013)

0.087

CREF Equity Index Account Class R3(variable annuity)

QCEQIX

0.185

0.185

0.100

(0.013)

0.087

CREF Global Equities Account Class R3(variable annuity)

QCGLIX

0.250

0.250

0.100

(0.013)

0.087

CREF Growth Account Class R3(variable annuity)

QCGRIX

0.225

0.225

0.100

(0.013)

0.087

CREF Inflation-Linked Bond AccountClass R3 (variable annuity)

QCILIX

0.215

0.215

0.100

(0.013)0.087

Investment expenses listed are as of July 3, 2024. To view the current expenses, see the prospectus by visiting TIAA.org and entering theticker in the site’s search feature.
Any guarantees under annuities issued by TIAA are subject to TIAA’s claims-paying ability.
A contractual or voluntary fee waiver may apply to any investment where there is a difference between the gross and net expense ratios.
For the fee waiver expiration date, see the prospectus by visiting TIAA.org and entering the ticker in the site’s search feature.
11

Investment options are being replaced
Some investments in the current lineup at TIAA will be replaced to better align choices to the investment strategiesof the plan. Your future contributions and existing balances will be directed to the replacement investment options,as noted below. For the CREF annuities, indicated by shading below, future contributions will be directed to thereplacement investment option as noted below; however, existing balances will remain in your current investment,
which will no longer accept new contributions, external transfers and rollovers. While the investment options in theleft column will no longer be available in the TIAA lineup for the plan, they may be available through the self-directed
brokerage option at TIAA. You may incur additional fees and expenses investing through the brokerage option.
Current option

TickerNew option

TickerCREF Core Bond Account Class R3(variable annuity)

QCBMIXO

JPMorgan Core Plus Bond FundClass R6JCPUXCREF Equity Index Account Class R3(variable annuity)

QCEQIXO

Vanguard 500 Index Fund
Admiral Shares

VFIAX

CREF Global Equities Account Class R3(variable annuity)

QCGLIXO

CREF Stock Account Class R3(variable annuity)

QCSTIXCREF Growth Account Class R3(variable annuity)

QCGRIXO

JPMorgan Large Cap Growth FundClass R6JLGMXCREF Inflation-Linked Bond AccountClass R3 (variable annuity)

QCILIXO

JPMorgan Core Plus Bond FundClass R6JCPUXInvesco Developing Markets FundClass YODVYXOGQG Partners Emerging Markets Equity
Fund R6 Shares

GQGRX

Nuveen Core Equity Fund Retirement

TRGIX

O

Vanguard 500 Index Fund Admiral Shares

VFIAX

Nuveen High Yield Fund Retirement

TIHRX

O

MainStay MacKay High Yield Corporate
Bond Fund Class R6

MHYSX

Nuveen International Equity
Fund Retirement

TRERX

O

American Funds EuroPacific Growth
Fund® Class R-6

RERGX

Nuveen Large Cap Responsible Equity
Fund Retirement

TRSCX

O

Vanguard 500 Index Fund
Admiral Shares

VFIAX

Nuveen Large Cap Value Fund Retirement

TRLCX

O

MFS Value Fund Class R6

MEIKX

Nuveen Lifecycle 2010 Fund Retirement

TCLEX

O

Nuveen Lifecycle Index Retirement
Income Fund R6

TRILX

Nuveen Lifecycle 2015 Fund Retirement

TCLIX

Nuveen Lifecycle Index 2015 Fund R6

TLFIX

Nuveen Lifecycle 2020 Fund Retirement

TCLTX

Nuveen Lifecycle Index 2020 Fund R6

TLWIX

Nuveen Lifecycle 2025 Fund Retirement

TCLFX

Nuveen Lifecycle Index 2025 Fund R6

TLQIX

Nuveen Lifecycle 2030 Fund Retirement

TCLNX

Nuveen Lifecycle Index 2030 Fund R6

TLHIX

Nuveen Lifecycle 2035 Fund Retirement

TCLRX

Nuveen Lifecycle Index 2035 Fund R6

TLYIX

Nuveen Lifecycle 2040 Fund Retirement

TCLOX

Nuveen Lifecycle Index 2040 Fund R6

TLZIX

Nuveen Lifecycle 2045 Fund Retirement

TTFRX

O
O
O
O
O
O
O

Nuveen Lifecycle Index 2045 Fund R6

TLXIX
continued

12

TIAA (continued)
SERVICE UPDATES AND INVESTMENT LINEUP CHANGESCurrent option

TickerNew option

TickerNuveen Lifecycle 2050 Fund Retirement

TLFRX

Nuveen Lifecycle 2055 Fund Retirement

TTRLX

Nuveen Lifecycle 2060 Fund Retirement

TLXRX

Nuveen Lifecycle 2065 Fund Retirement

TSFRX

O
O
O
O

Nuveen Lifecycle Index 2050 Fund R6

TLLIX

Nuveen Lifecycle Index 2055 Fund R6

TTIIX

Nuveen Lifecycle Index 2060 Fund R6

TVIIX

Nuveen Lifecycle Index 2065 Fund R6

TFITX

Nuveen Lifecycle Retirement Income
Fund Retirement

TLIRX

O

Nuveen Lifecycle Index Retirement
Income Fund R6

TRILX

Nuveen Mid Cap Value Fund Retirement

TRVRX

O

MFS Mid Cap Value Fund Class R6

MVCKX

PGIM Jennison Natural Resources Fund
– Class Z

PNRZX

O

Age-based Nuveen Lifecycle Index
Fund R6

Various

Royce Pennsylvania Mutual Fund
Investment Class

PENNX

O

Vanguard Small-Cap Index Fund
Admiral Shares

VSMAX

Templeton Global Bond Fund
Advisor Class

TGBAX

O

JPMorgan Core Plus Bond FundClass R6JCPUXFIU has instructed TIAA to transfer any account balances in any investment option not listed above to the
Nuveen Lifecycle Index Fund that corresponds to the year you turn age 65.

13

SERVICE UPDATES AND INVESTMENT LINEUP CHANGESIntroducing a personal choice retirement account at Voya
If you are interested in investments that are outside of the new investment lineup, the Schwab Personal Choice
Retirement Account (PCRA) may be of interest to you. PCRA is available for knowledgeable investors who
understand the risks associated with many of the investment choices available through the PCRA and whoare committed to staying invested for the long term. PCRA is designed for individuals who seek more flexibility,
increased diversification, and a greater role in managing their retirement savings. There is an additional fee
associated with the PCRA.

Professional investment advice
Designing a long-term retirement savings strategy, choosing investments that match your risk personality and goals,
and then keeping track of your progress over the years can get complicated—and maybe a little overwhelming
for some. But help is available. Investment advice is offered through Voya Retirement Advisors (VRA), poweredby Edelman Financial Engines®.

Roth in-plan conversion
The plan at Voya offers the option to make Roth after-tax contributions in addition to pretax contributions.
With the Roth option, taxes are paid at the time of contribution, so you have the potential to withdraw themand the amount that is earned on these contributions tax-free. Withdrawals of earnings after age 59½ are tax
free if the distribution is taken no earlier than five years after the Roth contributions were first made. The plan
will also now offer the option for Roth in-plan conversions, which allow participants to directly convert eligible
pretax contributions plus earnings to a designated Roth contribution. Before electing a Roth in-plan conversion,
consult your personal tax advisor to ensure this strategy is consistent with your overall personal financial goals.

Investment choices for you
The following investment options will be available at Voya.
Annual fundoperating expenses

Plan servicing fee calculations(A + B = C)

TickerGrossexpenseratio %

Net
expenseratio %

Vanguard Target Retirement 2020 Fund

VTWNX

0.08

0.08

0.00

0.20

0.20

Vanguard Target Retirement 2025 Fund

VTTVX

0.08

0.08

0.00

0.20

0.20

Vanguard Target Retirement 2030 Fund

VTHRX

0.08

0.08

0.00

0.20

0.20

Vanguard Target Retirement 2035 Fund

VTTHX

0.08

0.08

0.00

0.20

0.20

Vanguard Target Retirement 2040 Fund

VFORX

0.08

0.08

0.00

0.20

0.20

Vanguard Target Retirement 2045 Fund

VTIVX

0.08

0.08

0.00

0.20

0.20

Vanguard Target Retirement 2050 Fund

VFIFX

0.08

0.08

0.00

0.20

0.20

Vanguard Target Retirement 2055 Fund

VFFVX

0.08

0.08

0.00

0.20

0.20

Vanguard Target Retirement 2060 Fund

VTTSX

0.08

0.08

0.00

0.20

0.20

Vanguard Target Retirement 2065 Fund

VLXVX

0.08

0.08

0.00

0.20

0.20

Vanguard Target Retirement 2070 Fund

VSVNX

0.08

0.08

0.00

0.20

0.20

Vanguard Target Retirement Income Fund

VTINX

0.08

0.08

0.00

0.20

0.20

Fund/AccountA.
B. Plan
Revenue
servicingsharing % fee/(credit) %C. Total
admin.
fee %Allocation tiercontinued
14

Voya (continued)
SERVICE UPDATES AND INVESTMENT LINEUP CHANGESAnnual fundoperating expenses

Plan servicing fee calculations(A + B = C)

TickerGrossexpenseratio %

Net
expenseratio %

Vanguard 500 Index Fund Admiral Shares

VFIAX

0.04

0.04

0.00

0.20

0.20

Vanguard Mid-Cap Index Fund
Admiral Shares

VIMAX

0.05

0.05

0.00

0.20

0.20

Vanguard Small-Cap Index Fund
Admiral Shares

VSMAX

0.05

0.05

0.00

0.20

0.20

Vanguard Total Bond Market Index Fund
Admiral Shares

VBTLX

0.05

0.05

0.00

0.20

0.20

Vanguard Total International Stock Index
Fund Admiral Shares

VTIAX

0.11

0.11

0.00

0.20

0.20

American Beacon Small Cap Value Fund
R6 Class

AASRX

0.77

0.77

0.00

0.20

0.20

American Funds EuroPacific Growth Fund®
Class R-6

RERGX

0.47

0.47

0.00

0.20

0.20

Fidelity® Small Cap Growth K6

FOCSX

0.60

0.60

0.00

0.20

0.20

Fidelity® Total Bond K6 Fund

FTKFX

0.30

0.30

0.00

0.20

0.20

GQG Partners Emerging Markets Equity
Fund R6 Shares

GQGRX

0.98

0.98

0.00

0.20

0.20

JPMorgan Large Cap Growth Fund Class R6

JLGMX

0.52

0.44

0.00

0.20

0.20

MainStay MacKay High Yield Corporate
Bond Fund Class R6

MHYSX

0.57

0.57

0.00

0.20

0.20

MFS Mid Cap Growth Fund Class R6

OTCKX

0.67

0.66

0.00

0.20

0.20

MFS Mid Cap Value Fund Class R6

MVCKX

0.63

0.62

0.00

0.20

0.20

MFS Value Fund Class R6

MEIKX

0.44

0.43

0.00

0.20

0.20

Voya Fixed Plus Account II (4568)

N/A

0.00

0.00

0.29

0.20

0.20

Fund/AccountA.
B. Plan
Revenue
servicingsharing % fee/(credit) %C. Total
admin.
fee %Passive tier

Active tierInvestment expenses listed are as of March 19, 2024. To view the current expenses, see the prospectus by visiting fiu.beready2retire.com
and entering the ticker in the site’s search feature.
A contractual or voluntary fee waiver may apply to any investment where there is a difference between the gross and net expense ratios.
For the fee waiver expiration date, see the prospectus by visiting fiu.beready2retire.com and entering the ticker in the site’s search feature.
15

SERVICE UPDATES AND INVESTMENT LINEUP CHANGESIntroducing a self-directed brokerage option at Fidelity
The plan also offers Fidelity BrokerageLink®, which provides you with an opportunity to invest in a broad range
of investment options beyond those offered directly through the plan. To learn more, call Fidelity Brokerage at
800-343-0860, weekdays, 8:30 a.m. to 8 p.m. (ET).
BrokerageLink includes investments beyond those in your plan’s lineup. You should compare investments andshare classes that are available in your plan’s lineup with those available through BrokerageLink, and determine
the available investment and share class that is appropriate for your situation. The plan fiduciary neither evaluates
nor monitors the investments available through BrokerageLink. It is your responsibility to ensure that theinvestments you select are suitable for your situation, including your goals, time horizon, and risk tolerance.
There is no annual account fee for BrokerageLink.

Roth in-plan conversion
The plan at Fidelity offers the option to make Roth after-tax contributions in addition to pretax contributions.
With the Roth option, taxes are paid at the time of contribution, so you have the potential to withdraw themand the amount that is earned on these contributions tax-free. Withdrawals of earnings after age 59½ are tax
free if the distribution is taken no earlier than five years after the Roth contributions were first made. The plan
will also now offer the option for in-plan Roth conversions, which allows participants to directly convert
eligible pretax contributions plus earnings to a designated Roth contribution. Before electing a Roth in-planconversion, consult your personal tax advisor to ensure this strategy is consistent with your overall personal
financial goals.

New Fidelity® Personalized Planning & Advice service
FIU has teamed up with Fidelity to offer a managed account service. It’s a new way to help you get and stay on
course toward your retirement goals. With Fidelity® Personalized Planning & Advice, you get active retirement
account management. This means that Fidelity’s team of investment professionals invest, monitor, and rebalance
your account as needed to adjust to changes in the market or changes to your situation.
Fidelity representatives are available to answer any questions you may have about this managed account service.
Call 866-811-6041 for more information.

Investment choices for you
The investment options shown on the following two pages will be available at Fidelity.
continued

16

Fidelity (continued)
SERVICE UPDATES AND INVESTMENT LINEUP CHANGESAnnual fundoperating expenses

Plan servicing fee calculations(A + B = C)

TickerGrossexpenseratio %

Net
expenseratio %

Vanguard Target Retirement 2020 Fund

VTWNX

0.08

0.08

0.00

0.19250.1925

Vanguard Target Retirement 2025 Fund

VTTVX

0.08

0.08

0.00

0.19250.1925

Vanguard Target Retirement 2030 Fund

VTHRX

0.08

0.08

0.00

0.19250.1925

Vanguard Target Retirement 2035 Fund

VTTHX

0.08

0.08

0.00

0.19250.1925

Vanguard Target Retirement 2040 Fund

VFORX

0.08

0.08

0.00

0.19250.1925

Vanguard Target Retirement 2045 Fund

VTIVX

0.08

0.08

0.00

0.19250.1925

Vanguard Target Retirement 2050 Fund

VFIFX

0.08

0.08

0.00

0.19250.1925

Vanguard Target Retirement 2055 Fund

VFFVX

0.08

0.08

0.00

0.19250.1925

Vanguard Target Retirement 2060 Fund

VTTSX

0.08

0.08

0.00

0.19250.1925

Vanguard Target Retirement 2065 Fund

VLXVX

0.08

0.08

0.00

0.19250.1925

Vanguard Target Retirement 2070 Fund

VSVNX

0.08

0.08

0.00

0.19250.1925

Vanguard Target Retirement Income Fund

VTINX

0.08

0.08

0.00

0.19250.1925

Fidelity® 500 Index Fund

FXAIX

0.015

0.015

0.00

0.19250.1925

Fidelity® International Index Fund

FSPSX

0.035

0.035

0.00

0.19250.1925

Fidelity® Mid Cap Index Fund

FSMDX

0.025

0.025

0.00

0.19250.1925

Fidelity® Small Cap Index Fund

FSSNX

0.025

0.025

0.00

0.19250.1925

Fidelity® U.S. Bond Index Fund

FXNAX

0.025

0.025

0.00

0.19250.1925

American Funds EuroPacific Growth Fund®
Class R-6

RERGX

0.47

0.47

0.00

0.19250.1925

Fidelity® Contrafund® K6

FLCNX

0.45

0.45

0.00

0.19250.1925

Fidelity® Growth Company K6 Fund

FGKFX

0.45

0.45

0.00

0.19250.1925

Fidelity® Small Cap Growth K6

FOCSX

0.60

0.60

0.00

0.19250.1925

Fidelity® Total Bond K6 Fund

FTKFX

0.30

0.30

0.00

0.19250.1925Fund/AccountA.
B. Plan
Revenue
servicingsharing % fee/(credit) %C. Total
admin.
fee %Allocation tierPassive tier

Active tierInvestment expenses listed are as of June 7, 2024. To view the current expenses, see the prospectus by visiting netbenefits.com/ready2enroll
and entering the ticker in the site’s search feature.
A contractual or voluntary fee waiver may apply to any investment where there is a difference between the gross and net expense ratios.
For the fee waiver expiration date, see the prospectus by visiting netbenefits.com/ready2enroll and entering the ticker in the site’s
search feature.
17Annual fundoperating expenses

Plan servicing fee calculations(A + B = C)

TickerGrossexpenseratio %

Net
expenseratio %

GQGRX

0.98

0.98

0.00

0.19250.1925

N/A

0.10

0.10

0.00

0.19250.1925MainStay MacKay High Yield Corporate
Bond Fund Class R6

MHYSX

0.57

0.57

0.00

0.19250.1925MFS Mid Cap Growth Fund Class R6

OTCKX

0.67

0.66

0.00

0.19250.1925MFS Mid Cap Value Fund Class R6

MVCKX

0.63

0.62

0.00

0.19250.1925MFS Value Fund Class R6

MEIKX

0.44

0.43

0.00

0.19250.1925

Principal SmallCap Value Fund II Class R-6

PSMVX

0.96

0.94

0.00

0.19250.1925Fund/AccountA.
B. Plan
Revenue
servicingsharing % fee/(credit) %C. Total
admin.
fee %Active tier
GQG Partners Emerging Markets Equity
Fund R6 Shares
Lincoln Stable Value

Investment options being replaced
Share class change
Some funds in the investment lineup at Fidelity will move to a lower-cost share class. Your existing balancesin, and any future contributions to, the investment options in the left column will be directed to the newshare class of the same funds shown in the right column. There is no investment strategy difference between
different share classes of the same fund. Investing in a lower-cost share class means that less of your money
goes toward fees. As a result, you keep more of the potential return generated by an investment. While returns
cannot be guaranteed, paying lower fees may help you reach your retirement goals faster. You can change yourinvestment options at any time.
Current share class option

TickerFidelity® Contrafund® FundFCNTX

Fidelity® Growth Company

FDGRX

Fidelity® Small Cap Growth Fund

FCPGX

Fidelity® Total Bond Fund

FTBFX

O
O
O
O

New share class option

TickerFidelity® Contrafund® K6

FLCNX

Fidelity® Growth Company K6 FundFGKFXFidelity® Small Cap Growth K6

FOCSX

Fidelity® Total Bond K6 FundFTKFX

FIU has instructed Fidelity to transfer any account balances in any investment option not listed above to theage-based Vanguard Target Retirement Fund that corresponds to the year you turn age 65.
continued

18

Fidelity (continued)
SERVICE UPDATES AND INVESTMENT LINEUP CHANGES
Additional changes
Some investments in the current lineup at Fidelity will be replaced to better align choices to the investment
strategies of the plan. Your future contributions and existing balances will be directed to the replacement
investment options as noted below and on the following pages. While the investment options on the left will nolonger be available in the Fidelity lineup for the plan, they may be available through the self-directed brokerage
option at Fidelity.
Current option

TickerFidelity Asset Manager® 50% FundFASMX

Fidelity Asset Manager® 85% FundFAMRX

Fidelity® Balanced

FBALX

Fidelity® Blue Chip Growth

FBGRX

Fidelity® Canada Fund

FICDX

Fidelity® Capital & Income Fund

FAGIX

Fidelity® Capital Appreciation

FDCAX

Fidelity® China Region FundFHKCX

Fidelity® Convertible Securities FundFCVSX

Fidelity® Disciplined Equity

FDEQX

Fidelity® Diversified International

FDIVX

Fidelity® Dividend Growth

FDGFX

Fidelity® Emerging Asia Fund

FSEAX

O
O
O
O

Fidelity® Emerging Markets

FEMKX

O

Fidelity® Emerging Markets Index FundFPADX

Fidelity® Enterprise Technology
Services Portfolio
Fidelity® Environment and Alternative
Energy Fund

FBSOX

O
O
O
O
O

TickerAge-based Vanguard Target
Retirement Fund

VariousFidelity® Growth Company K6 FundFGKFX

Age-based Vanguard Target
Retirement Fund
MainStay MacKay High Yield Corporate
Bond Fund Class R6

Various
MHYSX

Fidelity® Growth Company K6 FundFGKFX

Age-based Vanguard Target
Retirement Fund

VariousFidelity® Growth Company K6 FundFGKFXAmerican Funds EuroPacific Growth
Fund® Class R-6

RERGX

MFS Value Fund Class R6

MEIKX

Age-based Vanguard Target
Retirement FundGQG Partners Emerging Markets Equity
Fund R6 Shares

Various
GQGRXOAge-based Vanguard Target
Retirement Fund

VariousO

MFS Value Fund Class R6

MEIKX

Age-based Vanguard Target
Retirement Fund

VariousFidelity® Mid Cap Index FundFSMDX

Fidelity® Total Bond K6 FundFTKFXMainStay MacKay High Yield Corporate
Bond Fund Class R6

MHYSX

Fidelity® Growth Company K6 Fund

FGKFX

FSLEX

Fidelity® Equity-Income

FEQIX

Fidelity® Equity Dividend Income

FEQTX

Fidelity® Europe FundFIEUX

Fidelity® Extended Market Index

FSMAX

Fidelity® Floating Rate High Income Fund

FFRHX

Fidelity® Focused High Income FundFHIFX

Fidelity® Focused Stock Fund

FTQGX

19

O

New option

O
O
O
O
O

Current option

TickerFidelity Freedom® 2010 Fund

FFFCX

Fidelity Freedom® 2015 Fund

FFVFX

Fidelity Freedom® 2020 Fund

FFFDX

Fidelity Freedom® 2025 Fund

FFTWX

Fidelity Freedom® 2030 Fund

FFFEX

Fidelity Freedom® 2035 Fund

FFTHX

Fidelity Freedom® 2040 Fund

FFFFX

Fidelity Freedom® 2045 Fund

FFFGX

Fidelity Freedom® 2050 Fund

FFFHX

Fidelity Freedom® 2055 Fund

FDEEX

Fidelity Freedom® 2060 Fund

FDKVX

Fidelity Freedom® 2065 FundFFSFX

Fidelity Freedom® Index 2005
Institutional Premium Class
Fidelity Freedom® Index 2020
Institutional Premium Class
Fidelity Freedom® Index 2050
Institutional Premium
Fidelity Freedom® Index 2055
Institutional Premium
Fidelity Freedom® Index 2060
Institutional Premium

New option

TickerVanguard Target Retirement
Income Fund

VTINX

Vanguard Target Retirement 2025 FundVTTVX

Vanguard Target Retirement 2030 FundVTHRX

Vanguard Target Retirement 2035 Fund

VTTHX

Vanguard Target Retirement 2040 Fund

VFORX

Vanguard Target Retirement 2045 FundVTIVX

Vanguard Target Retirement 2050 Fund

VFIFX

Vanguard Target Retirement 2055 Fund

VFFVX

Vanguard Target Retirement 2060 Fund

VTTSX

Vanguard Target Retirement 2065 Fund

VLXVX

FFGFX

O
O
O
O
O
O
O
O
O
O

Vanguard Target Retirement
Income Fund

VTINX

FIWTX

O

Vanguard Target Retirement 2020 Fund

VTWNX

FFOPX

O

Vanguard Target Retirement 2050 Fund

VFIFX

FFLDX

O

Vanguard Target Retirement 2055 Fund

VFFVX

FFLEX

O
O
O
O

Vanguard Target Retirement 2060 Fund

VTTSX

Fidelity® Growth Company K6 FundFGKFXFidelity® Total Bond K6 FundFTKFXFidelity® Fund

FFIDX

Fidelity® Global Credit Fund

FGBFX

Fidelity® Global Equity Income

FGILX

Fidelity® Global High Income Fund

FGHNX

Fidelity® GNMA Fund

FGMNX

O

O
O

Age-based Vanguard Target
Retirement Fund
MainStay MacKay High Yield Corporate
Bond Fund Class R6
Fidelity® Total Bond K6 Fund

VariousMHYSX
FTKFXcontinued
20

Fidelity (continued)
SERVICE UPDATES AND INVESTMENT LINEUP CHANGESCurrent option

TickerFidelity® Government Cash Reserves Fund

FDRXX

Fidelity® Government Income Fund

FGOVX

Fidelity® Government Money Market Fund

SPAXX

Fidelity® Government Money Market Fund
Premium ClassFZCXXFidelity® Growth & Income

FGRIX

Fidelity® Growth Discovery

FDSVX

Fidelity® Growth Strategies

FDEGX

Fidelity® High Income Fund

SPHIX

Fidelity® Inflation-Protected Bond
Index FundFIPDX

Fidelity® Intermediate Bond FundFTHRX

Fidelity® Intermediate Treasury Bond
Index Fund
Fidelity® International Capital
Appreciation Fund

FUAMX

TickerO
O

Lincoln Stable Value

N/A

Fidelity® Total Bond K6 Fund

FTKFX

O

Lincoln Stable Value

N/A

O
O
O
O

Fidelity® 500 Index FundFXAIX

Fidelity® Growth Company K6 FundFGKFX

MFS Mid Cap Growth Fund Class R6

OTCKX

MainStay MacKay High Yield Corporate
Bond Fund Class R6

MHYSX

O
O
O

Fidelity® U.S. Bond Index Fund

FXNAX

Fidelity® Total Bond K6 FundFTKFXFidelity® U.S. Bond Index Fund

FXNAX

O

American Funds EuroPacific Growth
Fund® Class R-6

RERGX

O

Fidelity® International Index Fund

FSPSX

O

Age-based Vanguard Target
Retirement Fund

VariousO
O

Fidelity® Total Bond K6 FundFTKFX

Age-based Vanguard Target
Retirement Fund

VariousO

Fidelity® 500 Index Fund

FXAIX

O
O
O
O
O
O
O
O

MFS Value Fund Class R6

MEIKX

Fidelity® 500 Index FundFXAIX

Age-based Vanguard Target
Retirement Fund

Various

MFS Mid Cap Value Fund Class R6

MVCKX

Fidelity® Growth Company K6 FundFGKFXFidelity® 500 Index FundFXAIX

Fidelity® 500 Index FundFXAIX

Fidelity® Mid Cap Index Fund

FSMDX

FIVFX

Fidelity® International Discovery

FIGRX

Fidelity® International Growth FundFIGFX

Fidelity® International Index Fund

FSPSX

Fidelity® International Real Estate

FIREX

Fidelity® International Small Cap FundFISMX

Fidelity® International Small Cap
Opportunities Fund

FSCOX

Fidelity® Investment Grade Bond FundFBNDX

Fidelity® Japan Smaller Companies FundFJSCXFidelity® Large Cap Core Enhanced
Index Fund

FLCEX

Fidelity® Large Cap Stock Fund

FLCSX

Fidelity® Large Cap Value Enhanced
Index Fund

FLVEX

Fidelity® Leveraged Company Stock

FLVCX

Fidelity® Long-Term Treasury Bond
Index FundFNBGXFidelity® Low-Priced Stock

FLPSX

Fidelity® Magellan®

FMAGX

Fidelity® Mega Cap Stock

FGRTX

Fidelity® Mid Cap Index FundFSMDX

Fidelity® Mid Cap Stock Fund

FMCSX

21

New option

Current option

TickerFidelity® Mid Cap Value FundFSMVX

Fidelity® Mortgage Securities FundFMSFXFidelity® Multi-Asset Index

FFNOX

Fidelity® NASDAQ Composite Index® FundFNCMX

Fidelity® Natural Resources FundFNARX

Fidelity® New Markets Income FundFNMIX

Fidelity® New Millennium Fund

FMILX

Fidelity® Nordic FundFNORX

Fidelity® OTC

FOCPX

Fidelity® Overseas

FOSFX

Fidelity® Pacific Basin Fund

FPBFX

Fidelity® Puritan®

FPURX

Fidelity® Real Estate Income

FRIFX

Fidelity® Real Estate Index Fund

FSRNX

Fidelity® Real Estate Investment Portfolio

FRESX

Fidelity® Select Automotive Portfolio

FSAVX

Fidelity® Select Banking

FSRBX

Fidelity® Select Biotechnology

FBIOX

Fidelity® Select Brokerage & Investment
Management Portfolio

FSLBX

Fidelity® Select Chemicals

FSCHX

Fidelity® Select Construction &Housing Portfolio
Fidelity® Select Consumer
Discretionary Portfolio

O
O
O
O
O
O
O
O
O

New option

TickerMFS Mid Cap Value Fund Class R6

MVCKX

Fidelity® Total Bond K6 FundFTKFX

Age-based Vanguard Target
Retirement Fund

VariousFidelity® Growth Company K6 FundFGKFX

Age-based Vanguard Target
Retirement Fund

Various

MFS Value Fund Class R6

MEIKX

Age-based Vanguard Target
Retirement Fund

VariousFidelity® Growth Company K6 FundFGKFXAmerican Funds EuroPacific Growth
Fund® Class R-6

RERGX

Age-based Vanguard Target
Retirement Fund

Various

FSHOX
FSCPX

Fidelity® Select Consumer Staples Portfolio

FDFAX

Fidelity® Select Defense &Aerospace Portfolio

FSDAX

Fidelity® Select Energy

FSENX

Fidelity® Select Financials Portfolio

FIDSX

Fidelity® Select Fintech Portfolio

FSVLX

Fidelity® Select GoldFSAGX

Fidelity® Select Health CareFSPHXFidelity® Select Health Care
Services Portfolio

FSHCX

Fidelity® Select Industrials

FCYIX

Fidelity® Select Insurance Portfolio

FSPCX

Fidelity® Select Leisure

FDLSX

Fidelity® Select Medical Technology andDevices Portfolio

FSMEX

Fidelity® Select Pharmaceuticals Portfolio

FPHAX

O

continued
22

Fidelity (continued)
SERVICE UPDATES AND INVESTMENT LINEUP CHANGESCurrent option

TickerFidelity® Select Retailing

FSRPX

Fidelity® Select Semiconductors

FSELX

Fidelity® Select Software &IT Services Portfolio

FSCSX

Fidelity® Select Tech Hardware Portfolio

FDCPX

Fidelity® Select Technology

FSPTX

Fidelity® SelectTelecommunications Portfolio

FSTCX

Fidelity® Select Transportation

FSRFX

Fidelity® Select Utilities

FSUTX

Fidelity® Select Wireless

FWRLX

Fidelity® Short-Term Bond FundFSHBX

Fidelity® Short-Term Treasury Bond
Index FundFUMBX

Fidelity® Small Cap Discovery FundFSCRX

Fidelity® Small Cap Index FundFSSNX

Fidelity® Small Cap Stock Fund

FSLCX

Fidelity® Small Cap Value FundFCPVX

Fidelity® Stock Selector Small Cap FundFDSCX

Fidelity® Strategic Dividend & Income

FSDIX

Fidelity® Strategic Income FundFADMX

Fidelity® Strategic Real Return FundFSRRX

Fidelity® Telecom and Utilities Fund

FIUIX

Fidelity® Total International Equity FundFTIEX

Fidelity® Total Market Index Fund

FSKAX

Fidelity Treasury Only Money Market Fund

FDLXX

Fidelity® Trend FundFTRNX

Fidelity® U.S. Bond Index Fund

FXNAX

Fidelity® U.S. Sustainability Index

FITLX

Fidelity® ValueFDVLX

Fidelity® Value Strategies

FSLSX

Fidelity® Worldwide

FWWFX

O

New option

TickerAge-based Vanguard Target
Retirement Fund

VariousO
O

Lincoln Stable Value
Fidelity® U.S. Bond Index Fund

FXNAX

O

Fidelity® Small Cap Index Fund

FSSNX

Principal SmallCap Value Fund IIClass R-6

PSMVX

Fidelity® Small Cap Index FundFSSNX

Age-based Vanguard Target
Retirement Fund

VariousFidelity® Total Bond K6 FundFTKFX

Age-based Vanguard Target
Retirement Fund

VariousAmerican Funds EuroPacific Growth
Fund® Class R-6

RERGX

Fidelity® 500 Index Fund

FXAIX

Lincoln Stable Value

N/A

Fidelity® Growth Company K6 FundFGKFXFidelity® U.S. Bond Index Fund

FXNAX

Fidelity® 500 Index Fund

FXAIX

O

MFS Mid Cap Value Fund Class R6

MVCKX

O

Age-based Vanguard Target
Retirement Fund

Various

O
O
O
O
O
O
O
O
O
O
O

N/A

See Disclosures beginning on page 28 for important details on Brokerage services, Investment, insurance andannuity products, Retirement Plan Portfolio Manager and Roth retirement plan option.
23

GUIDANCE AND PLANNING RESOURCES
As a participant in the plan, you have access to one-on-one guidance from a financial professional and online
resources—no matter which provider you choose—at no additional cost to you.

TIAA
Schedule a session online by visiting TIAA.org/schedulenow or calling 800-732-8353, weekdays, 8 a.m. to
8 p.m. (ET). TIAA will continue to be on campus each month.
Visit TIAA.org/tools for convenient resources that can help you on the path to retirement. You supply the
information, and the tools do the rest.

Explore the Retirement Advisor tool to secure acustom retirement plan in five steps and receivesavings and investment recommendations.
Through Retirement Advisor, you can also enroll
in the new Retirement Plan Portfolio Manager
service—a fee-based advisory service that offers
professional management of your retirement
account. With this service, your account will be
reviewed quarterly and automatically adjusted tohelp keep it on track with your retirement goals.
See page 9 for more details on this new service.

Use Retirement Income
Illustrator to find out
how much of your current
income you’ll need toreplace to cover retirement
expenses, your estimatedmonthly retirement income,and explore your retirement
income options.

Use 360° Financial View
to consolidate yourinformation from multiple
financial institutions in one
place, track your spending,set up email alerts, andcreate a budget that works
for you.

Voya
For personalized retirement advice, speak to a Voya Retirement Advisor representativeby calling 800-584-6001. Representatives are available weekdays, 8 a.m. to 9 p.m. (ET),excluding stock market holidays.
Visit voyaretirementplans.com and log in to your account to access a variety of tools andresources that can help you keep track of your finances leading to, and through, retirement.

Use the myOrangeMoney® interactive online
educational experience as a resource to planand track your future retirement income.

Voya’s Personal Financial
Dashboard will help youorganize your finances so
you can make smart money
Voya’s myOrangeMoney experience will
decisions. Through a series
show you how your savings can translate
into estimated monthly retirement income. of guided steps, you’ll beable to create a composite
You will be able to model a variety ofview of your retirement andsaving and investment scenarios to help
you close any savings gaps, factor in other other savings accounts, plus
sources of income like Social Security, and current household expenses,
explore how estimated healthcare costs in if you choose to provide that
retirement might impact your income needs. information.
myOrangeMoney is the first thing you’ll see
when you log in to your account and when
you open the Voya Retire mobile app.

Take your goals on the go with
the Voya Retire mobile app.
You’ll be able to check youraccount balance and transact
wherever you are.

continued
24

GUIDANCE AND PLANNING RESOURCES (continued)
Fidelity
At Fidelity, we are experienced in helping people plan for their financial futures. We can help you plan for boththe expected and unexpected events, from basic budgeting to complex financial situations. As part of your plan
benefits, you can meet with us by phone, video conference or in person. You’ll learn strategies and tips to help
you manage your financial future with confidence.
To learn more about Fidelity’s enhancements as an investment provider, visit Fidelity NetBenefits® atnetbenefits.com/atwork, or call 800-343-0860.

The Planning & Guidance Center
makes it easier to plan for theretirement you envision througha personalized, online planning
experience that helps you set goals
and better understand your full
financial picture.

Enhanced Online Experience with
NetBenefits®. Here you’ll find yourworkplace savings plan account,make investment choices, and findinteractive tools to help you better
prepare to meet your retirementsavings goals. Visit NetBenefits.com.

Track and manage yourfinancial life with Full View®.
Get your complete financial pictureof your Fidelity and non-Fidelity
online financial accounts in one
secure place.

See Disclosures beginning on page 28 for important details on Advice (legal, tax, investment).

25

Q&A
1. I am currently contributing to one or more of theproviders that are being discontinued. When do
I need to elect my new provider for my futurecontributions to the plan?
From now through September 10, 2024, at
4 p.m. (ET), you can open an account with TIAA,
Voya and/or Fidelity. If no selection is made by
September 10, 2024, your contributions as of theOctober 4, 2024, payroll will go to TIAA as thedefault provider. You can change your provider andinvestments at any time after October 2, 2024.
2. I am currently contributing to one or more of theproviders that are being discontinued. How do I
elect a new provider for my future contributions?
For future contributions, open a new accountwith TIAA, Voya, and/or Fidelity, and complete
the salary reduction agreement in PantherSoft
by September 10, 2024, at 4 p.m. (ET). If the form
is not received by the FIU Benefits team by thisdeadline, your future contributions will go to
TIAA as the default provider. You may change
your provider at any time after October 2, 2024.
3. If I’m currently contributing to TIAA, Voya, and/orFidelity, should I make an active election?
There is no action required if you are currently
only contributing to TIAA, Voya, and/or Fidelity,
or not contributing to the plan.

4. Does it make sense to consolidate
retirement accounts?
You might find it easier to manage your retirementmoney by working with one provider. That said,transferring balances can sometimes trigger costs.
Before consolidating outside retirement balances,check to see if you can transfer those balances
directly to your plan account at TIAA, Voya, orFidelity. For example, you may be able to leavemoney with a prior provider, roll over money to an
IRA, or cash out all or part of the account value.
Consider the advantages and disadvantages ofeach option carefully, including investment options
and services, fees and expenses, withdrawal
options, required minimum distributions, tax
treatment, and your financial needs. You shouldseek the guidance of your financial professional
and tax advisor before consolidating balances.
If you would like more information on transferring
your account balance to your new provider,contact TIAA, Voya, or Fidelity to speak witha financial consultant for assistance. Refer tothe back cover for contact information andinstructions on how to schedule an appointment.
continued

26

Q&A (continued)
5. What if I’m splitting my contributions
among one or more of the providers thatare being discontinued?
Effective with the October 4, 2024, payroll, allcontributions will only be directed to TIAA, Voya,
and/or Fidelity. You must complete your changeby 4 p.m. (ET) on September 10, 2024, for any
contributions that were previously directed to theproviders being eliminated. If no election is made,those contributions will be directed to TIAA by
default. You may change your provider at any timeafter October 2, 2024.
6. How do lifecycle and target date funds work?
Each lifecycle/target date fund consists ofunderlying mutual funds that invest in a broad
range of asset classes. As a result, a fund will
share the risks associated with the securities heldby its underlying funds. The allocations and risk
level also depend on how many years remain until
the fund’s target date. To help reduce risk as thefund’s target date approaches, the fund’s mix ofstocks, bonds and other types of investments isadjusted to a more conservative mix.

27

7. What else should I know about lifecycle andtarget date funds?
As with all mutual funds, the principal value ofa lifecycle/target date fund isn’t guaranteed at
any time, including at the target date, and willfluctuate with market changes. The target dateindicates when investors may plan to start making
withdrawals. However, you are not required towithdraw your money at the target date. A financial
consultant can help you decide whether a lifecycle
or target date fund is right for you.

DISCLOSURES
TIAA
Advice (legal, tax, investments)
The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.
Advice provided by our Field Consulting Group is obtained using an advice methodology from an independent third party. Advice services
provided by our Individual Advisory Services Group are provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional
Services, LLC, a registered investment adviser.
Individual Advisory Services may not be available to all participants. Advisory services through Individual Advisory Services are a fee-for-services
charge to the employee.
Advice is provided on your employer-sponsored retirement plans administered by TIAA. TIAA does not monitor your retirement assets on
an ongoing basis, nor does TIAA update your information on the Retirement Advisor tool to reflect changes in your personal circumstances.
You should periodically monitor your retirement strategy as your needs and personal circumstances change. Results are not guaranteed anddo not reflect actual returns on any investment. The TIAA Retirement Advisor is not a substitute for tax, legal or comprehensive financial
planning advice. The TIAA Retirement Advisor is a brokerage service provided by TIAA-CREF Individual & Institutional Services, LLC, a registeredbroker-dealer, Member FINRA, SIPC.
The projections or other information generated by TIAA’s online tools regarding the likelihood of various investment outcomes, investment
allocations and retirement income are hypothetical in nature, do not reflect actual results and are not guarantees of future results. Results mayvary with each use and over time.
Brokerage services
The brokerage account option is available to participants who maintain both a legitimate U.S. residential address and a legitimate U.S. mailingaddress. Certain securities may not be suitable for all investors. Securities are subject to investment risk, including possible loss of theprincipal amount invested.
By opening a brokerage account, you will be charged a commission only on applicable transactions and other account-related fees in accordancewith the TIAA Commission and Fee Schedule. Please visit TIAA.org/SDA_CAA. Other fees and expenses apply to a continued investment in thefunds and are described in the funds’ current prospectuses. Some securities may not be suitable for all investors.
TIAA Brokerage, a division of TIAA-CREF Individual and Institutional Services, LLC, Member FINRA and SIPC, distributes securities. Brokerage
accounts are carried by Pershing, LLC, a subsidiary of The Bank of New York Mellon Corporation, Member FINRA, NYSE, SIPC.
Distributions and withdrawals
Subject to plan terms, employer contributions invested in custodial accounts (mutual funds) and elective deferrals (including designated Rothcontributions) may not be paid to a participant before the participant has a severance of employment, dies, becomes disabled, attains age 59½
or experiences a hardship. Employer contributions invested in annuity contracts may generally be distributed upon severance of employment
or upon occurrence of a stated event in the plan.
Fees and expenses
Plan servicing fees can be deducted from investment options in Retirement Choice and Retirement Choice Plus contracts. However, plan
servicing fees cannot be deducted from annuities in Retirement Annuity, Group Retirement Annuity, Supplemental Retirement Annuity andGroup Supplemental Retirement Annuity contracts.
Your guaranteed option is a fixed annuity that pays you interest at competitive crediting rates that are announced in advance. There is no
explicit expense ratio because this is a fixed annuity.
Gross expense ratio includes all of an investment’s expenses. Net expense ratio takes into account any investment fee waivers and expense
reductions, giving an indication of what is currently being charged.
“Revenue sharing” describes the practice when investment providers share in the cost of plan administration. Please note that TIAA Traditional,
TIAA Real Estate, TIAA Stable Value and all CREF Annuity accounts do not have an explicit revenue share. Rather, they have a “plan services
offset” that is applied to your plan’s administrative and recordkeeping costs.
Investment, insurance and annuity products
Investment products may be subject to market and other risk factors. See the applicable product literature, or visit TIAA.org and enter the
ticker in the site’s search feature for details.
Some investment options may have redemption and other fees. See the fund’s prospectus for details.

You could lose money by investing in the CREF Money Market Account. Because the accumulation unit valueof the Account will fluctuate, the value of your investment may increase or decrease. An investment in the
Account is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government
agency. The Account’s sponsor has no legal obligation to provide support to the Account, and you should not
expect that the sponsor will provide financial support to the Account at any time.
continued

28

DISCLOSURES (continued)
You could lose money by investing in the Money Market Fund. Although the Fund seeks to preserve the valueof its shares at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or
guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor
has no legal obligation to provide support to the Fund, and you should not expect that the sponsor will provide
financial support to the Fund at any time.
TIAA Traditional Annuity is a guaranteed insurance contract and not an investment for federal securities law purposes. Any guarantees underannuities issued by Teachers Insurance and Annuity Association of America (TIAA) are subject to its claims-paying ability. Interest credited
includes a guaranteed rate plus additional amounts as may be established by the TIAA Board of Trustees. Such additional amounts, whendeclared, remain in effect for the “declaration year,” which begins each March 1 for accumulating TIAA Traditional annuities and January 1 forpayout annuities. Additional amounts are not guaranteed for periods other than the period for which they were declared.
Annuity account options are available through annuity contracts issued by TIAA or CREF. These contracts are designed for retirement or otherlong-term goals and offer a variety of income options, including lifetime income. Payments from the variable annuity accounts are not guaranteed
and will rise or fall based on investment performance.
Annuity contracts may contain terms for keeping them in force. For full details, including costs, call TIAA at 877-518-9161.
Retirement Plan Portfolio Manager
Retirement Plan Portfolio Manager Program (the “Program”) is a discretionary fee-based asset allocation advisory program provided by TIAA
Trust, N.A. TIAA Trust, N.A. is an affiliate to TIAA-CREF Individual & Institutional Services, LLC (“Services, LLC”). The Program invests and manages
eligible retirement plan assets (“Retirement Assets”) on a discretionary basis. Retirement Assets are managed according to the advice provided by
Morningstar Investment Management, LLC (Morningstar). Morningstar is an unaffiliated investment advisor that provides TIAA with independent,
third-party asset allocation models and specific investment recommendations for purposes of the Retirement Plan Portfolio Manager program.
Program recommendations are generated by Morningstar as an independent authority, retained by TIAA to provide objective advice.
Assets held in a retirement plan brokerage account are not eligible for inclusion in Retirement Plan Portfolio Manager.
Projections and other information generated through the Morningstar tool regarding the likelihood of various investment outcomes arehypothetical, do not reflect actual investment results, and are not a guarantee of future results. The projections are dependent in parton subjective assumptions, including the rate of inflation and the rate of return for different asset classes. These rates are difficult toaccurately predict. Changes to the law, financial markets, or individual personal circumstances can cause substantial deviation from theestimates. This could result in declines in an account’s value over short or even extended periods of time.
Roth retirement plan option
The TIAA group of companies does not offer tax advice. See your tax advisor regarding your particular situation.
Withdrawals of earnings prior to age 59½ are subject to ordinary income tax, and a 10% early distribution penalty tax may apply. Earnings canbe distributed tax free if distribution is no earlier than five years after contributions were first made and you meet at least one of the following
conditions: age 59½ or older, or permanently disabled. Beneficiaries may receive a distribution in the event of your death. For governmental
457(b) plans, withdrawals are only allowed following separation from service or when you reach age 59½.
This material is for informational or educational purposes only and does not constitute fiduciary investment advice under ERISA, a securities
recommendation under all securities laws or an insurance product recommendation under state insurance laws or regulations. This material
does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action.
Investment decisions should be made based on the investor’s own objectives and circumstances.
Investment, insurance, and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any
federal government agency, are not a condition to any banking service or activity, and may lose value.

You should consider the investment objectives, risks, charges, and expenses carefully before investing.
Please call 877-518-9161 or go to TIAA.org/fiu for current product and fund prospectuses that contain thisand other information. Please read the prospectuses carefully before investing.
TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. Annuity contracts and certificates are issued
by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely
responsible for its own financial condition and contractual obligations.
©2024 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY 10017

29

Voya
Vanguard Target Date Portfolios
Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the Fund name refers to the approximateyear (the target date) when an investor in the Fund would retire and leave the work force. The Fund will gradually shift its emphasis from moreaggressive investments to more conservative ones based on its target date. An investment in the Target Retirement Fund is not guaranteed at
any time, including on or after the target date.
Schwab Personal Choice Retirement Account® (PCRA) is offered through Charles Schwab & Co., Inc. (Member SIPC), the registered broker/
dealer, which also provides other brokerage and custody services to its customers.
Advisory Services provided by Voya Retirement Advisors, LLC (VRA).
VRA is a member of the Voya Financial (Voya) family of companies. For more information, please read the Voya Retirement Advisors DisclosureStatement, Advisory Services Agreement, and your Plan’s fact sheet. These documents may be viewed online by accessing the advisory services
link through your Plan’s website. You may also request these from a VRA Investment Advisor Representative by calling your Plan’s information line.
Financial Engines Advisors L.L.C. (FEA) acts as a sub advisor for Voya Retirement Advisors, LLC. Financial Engines Advisors L.L.C. (FEA) is a federally
registered investment advisor. Neither VRA nor FEA provides tax or legal advice. If you need tax advice, consult your accountant or if you needlegal advice consult your lawyer. Future results are not guaranteed by VRA, FEA or any other party and past performance is no guarantee of future
results. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All other marks are the exclusive propertyof their respective owners. FEA and Edelman Financial Engines, LLC are not members of the Voya family of companies. ©2024 Edelman
Financial Engines, LLC. Used with permission.
IMPORTANT: The illustrations or other information generated by the calculators are hypothetical in nature, do not reflect actual investment
results, and are not guarantees of future results. This information does not serve, either directly or indirectly, as legal, financial or tax advice
and you should always consult a qualified professional legal, financial and/or tax advisor when making decisions related to your individual
tax situation.

Fidelity
Fidelity BrokerageLink® includes investments beyond those in your plan’s lineup. You should compare investments and share classes that areavailable in your plan’s lineup with those available through BrokerageLink, and determine the available investment and share class that is
appropriate for your situation. The plan fiduciary neither evaluates nor monitors the investments available through BrokerageLink. It is yourresponsibility to ensure that the investments you select are suitable for your situation, including your goals, time horizon, and risk tolerance.
Fidelity® Personalized Planning & Advice at Work is a service of Fidelity Personal and Workplace Advisors LLC and Strategic Advisers LLC.
Both are registered investment advisers and Fidelity Investments companies and may be referred to as “Fidelity,” “we,” or “our” within.
For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers
exclusively to Fidelity Personalized Planning & Advice at Work. This service provides advisory services for a fee, which will be paid fromyour account.
Investing involves risk, including risk of loss.
A distribution from a Roth 403(b) is federally tax free and penalty free, provided the five-year aging requirement has been satisfied and oneof the following conditions is met: age 59½, disability, or death. State taxes may apply.

30

WE’RE HERE TO HELP
Not sure where to begin? Let us help you take the next step!
Online

Phone

TIAA

Visit TIAA.org/fiu and log in. If you’re new
to TIAA, select Log in, then Need online
access? Follow the on-screen directions toaccess your account.

Call 800-842-2252, weekdays,
8 a.m. to 10 p.m. (ET).

Voya

To register and access your account online, go tofiu.beready2retire.com. Select Register Now
in the login section. As part of the registration
process, you will receive a code through themost convenient method you have on file with
Voya. You will need to create a login username
and password for ongoing online or mobile
account access.

Call 800-584-6001, weekdays, 8 a.m.
to 9 p.m. (ET), excluding stock market
holidays. Automated voice response
system is available 24/7.

Fidelity

Visit netbenefits.com/ready2enroll. Click Enroll
Now. Follow the instructions to set up youraccount and login information. Your plan number
is 61540.

Call 800-343-0860 to speak with alicensed financial professional,
weekdays, 8:30 a.m. to 8 p.m. (ET).

Florida International University

Human
Resources
Benefits
officeOnlinePhonebenefits@fiu.edu

305-348-2181

Take your planning with you using the TIAA, Voya, or Fidelity mobile app.
Download them from the App Store or Google Play.

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