Company: CI
Filing Date: 2025-06-27
Form Type: 11-K
Source: 0001739940-25-000024
Chunk: 6

Company: Cigna Group
Filing Date: 2025-06-27
Form: 11-K
Chunk 6
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 a year of vesting service if they have at least 1,000 hours of service during the calendar year.

If a participant has a termination of employment with Cigna, any unvested portion of the participant’s account is forfeited as of the earlier of (1) the date that the participant receives a distribution of the entire vested portion of his or her account, or if the account is subject to mandatory distribution, distribution has been made to the participant automatically, or (2) the end of the Plan year in which the participant has incurred five consecutive one-year breaks in service. During the year ended December 31, 2024, forfeited amounts reduced employer contributions by approximately $6.1 million.

See Note 10 for information regarding accelerated vesting for certain employees who conveyed to Health Care Service Corporation (“HCSC”) in connection with the sale of Cigna's Medicare Advantage and related businesses to HCSC.

<div align='center'>7</div>

#### THE CIGNA GROUP 401(k) PLAN

### NOTES TO THE FINANCIAL STATEMENTS
Notes Receivable

The notes receivable amount represents the unpaid principal balance on unpaid loans. The Plan permits participants to borrow a portion of their vested Plan account, subject to certain limitations, including restriction of post-2009 Cigna employer contributions, at an annual rate of interest with a specified repayment period. The minimum amount that may be borrowed is $1,000; the maximum total loan amount is the lesser of $50,000 or 50% of the participant’s vested account balance. A participant may have no more than two outstanding loans. Loan terms range from 12 to 60 months or up to 120 months if the loan is used to buy or build a participant’s primary residence.

The annual interest rate for a Plan loan is 2% plus the yield of actively traded U.S. Treasury securities, adjusted by the U.S. Treasury Department to 3-year or 7-year constant maturities. The maximum Plan loan interest rate is the bank prime loan rate that is in effect on the same date that the applicable Treasury rate is determined. Loan interest rates remain fixed during the term of the loan. The loan is secured by the participant’s vested account balance. EAIC charges the participant a $50 fee to process new Plan loans and a $20 annual loan maintenance fee. The annual loan maintenance fee is deducted from the participant’s account quarterly, at a rate of $5 for each full quarter that each loan remains outstanding. As