Company: BK-PK
Filing Date: 2025-06-26
Form Type: 11-K
Source: 0001390777-25-000094
Chunk: 11

Company: Bank of New York Mellon Corp
Filing Date: 2025-06-26
Form: 11-K
Chunk 11
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. There is also a separate fund for individuals near to or already in retirement, which intends to preserve account balances by maintaining a lower risk profile.

#### Passively Managed Index Funds
– The passively managed index funds consist of four index funds covering the major asset classes (domestic investment grade bonds, domestic large cap equity, mid and small cap equity, and international equity). These funds are designed to track a specific investment index, such as the Standard and Poor’s 500 Index. The fund managers attempt to replicate the holdings and performance of the index, but do not seek to exceed the index’s returns, less fees and expenses.

#### Actively Managed Funds and Common Stock
– The actively managed funds consist of fourteen funds (plus the Company’s common stock) covering the major asset classes. The investment managers of actively managed funds seek to exceed the returns of a given market index or benchmark. Because this approach often requires enhanced research and trading activity, fees and expenses are generally higher than fees in passively managed index funds. The goal is to outperform the benchmark enough to offset those higher expenses. Most of the funds have a multi-manager structure to reduce manager performance risk and to benefit from less than perfect correlation between different types of investment approaches within a sub-asset class.

Participants have the opportunity to own shares of the Company’s common stock. A common stock investment in a single company is subject to the fluctuations of the stock market, as well as a company’s performance and its long-term financial prospects. Contributions and transfers into the Company’s stock fund are limited, generally, to 20% of a participant’s overall plan balance. New contributions or transfers into the Company’s common stock fund are not permitted if the contribution or transfer would cause the total allocation to exceed 20% of a participant’s overall plan balance. If a participant elects more than 20% of their overall plan balance to be invested in the Company’s stock fund, the amount exceeding 20% of that participant’s overall account balance will automatically be redirected to the LifePath Index fund closest to the year in which the participant will reach age 65.

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#### Self-Directed Account –
The SDA provides the opportunity for participants to build and manage their portfolio with access to various mutual funds and exchange traded funds, subject to any limitations imposed by the Plan. A participant must have at least a $10,000 account balance to be eligible to invest in the SDA. The minimum initial investment in the SDA is $5,000