Company: CI
Filing Date: 2025-06-27
Form Type: 11-K
Source: 0001739940-25-000024
Chunk: 4

Company: Cigna Group
Filing Date: 2025-06-27
Form: 11-K
Chunk 4
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 a participant’s eligible pay.

The Plan uses an automatic contribution rate increase program called Contribution Accelerator. If an eligible participant’s pre-tax contribution rate is at least 1% but less than 12%, the

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

### NOTES TO THE FINANCIAL STATEMENTS
contribution rate is automatically increased by 1% at the beginning of each year until it reaches 13%. Eligible participants can opt out of Contribution Accelerator or change the date when the increase would go into effect each year. Effective January 1, 2024, the maximum automatic contribution rate under the Contribution Accelerator program was increased from 12% to 13% and it will increase by an additional 1% annually thereafter until it reaches 15%. See Note 10 for information regarding changes to the maximum automatic contribution rate effective January 1, 2025 and other items impacting employee contributions.

All employees, however, are still subject to the annual dollar limit set by the Internal Revenue Service ("IRS"). Employee contributions may be invested in any combination of investment options offered by the Plan subject to certain other Internal Revenue Code ("IRC") limitations and any restrictions imposed under Cigna’s Policy on Securities Transactions and Insider Trading.

Employer Contributions

All employees are eligible for employer-matching contributions as soon as they join the Plan. The maximum effective regular matching contribution is 5% of a participant's first 6% of eligible pay. The match formula is equal to 100% on the first 4% of eligible pay contributed (a 4% of pay match) plus 50% on the next 2% of pay contributed (a 1% pay match). The company match rate applies to pre-tax, Roth contributions, after-tax contributions and catch-up contributions – to the extent those contributions are part of an employee’s first 6% of pay contributed. New employees are automatically enrolled in the Plan after 30 days from date of hire and are eligible to receive the maximum regular matching contribution. These new employees can opt out of auto enrollment as well as the Contribution Accelerator. Regular matching contributions are made at the same time employee contributions are made, typically bi-weekly, but no less frequently than monthly.

The Plan also provides a “true-up” matching contribution after the close of each Plan year. The true-up match is an added employer contribution, if necessary to make the year’s total matching contributions equal to what they would have been on a “