# EDGAR Filing Document

**Accession Number:** 0000925981
**File Stem:** 0001133228-26-005755
**Filing Date:** 2026-4
**Character Count:** 38166
**Document Hash:** 78cea0baefc97af55bb9132148c5d38f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-26-005755.hdr.sgml**: 20260420

**ACCESSION NUMBER**: 0001133228-26-005755

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260420

**DATE AS OF CHANGE**: 20260420

**EFFECTIVENESS DATE**: 20260420

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VARIABLE ANNUITY ACCOUNT I OF VOYA RETIREMENT INSURANCE & ANNUITY Co
- **CENTRAL INDEX KEY:** 0000925981

**ORGANIZATION NAME:**
- **EIN:** 061286272
- **STATE OF INCORPORATION:** CT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-130822
- **FILM NUMBER:** 26874301

**BUSINESS ADDRESS:**
- **STREET 1:** ONE ORANGE WAY
- **CITY:** WINDSOR
- **STATE:** CT
- **ZIP:** 06095-4774
- **BUSINESS PHONE:** 860-580-4646

**MAIL ADDRESS:**
- **STREET 1:** ONE ORANGE WAY
- **CITY:** WINDSOR
- **STATE:** CT
- **ZIP:** 06095-4774

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** VARIABLE ANNUITY ACCOUNT I OF ING LIFE INSURANCE & ANNUITY CO
- **DATE OF NAME CHANGE:** 20060103

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** VARIABLE ANNUITY ACCOUNT I OF ING INSURANCE CO OF AMERICA
- **DATE OF NAME CHANGE:** 20020329

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ING INSURANCE CO OF AMERICA
- **DATE OF NAME CHANGE:** 20020319

## Series and Classes Contracts Data

### VARIABLE ANNUITY ACCOUNT I OF VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY (Series ID: S000000901)

| Class ID   | Class Name        | Ticker Symbol   |
|:---|:---|:---|
| C000021919 | Retirement Master |  |

**VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY**

**RETIREMENT MASTER**

**A GROUP DEFERRED FIXED AND VARIABLE ANNUITY CONTRACT**

issued by

**Voya Retirement Insurance and Annuity Company**

and its

**Variable Annuity Account I**

**UPDATING SUMMARY PROSPECTUS**

**May 1, 2026**

____________________________________________________________________________

There is one Contract described in this updating summary Prospectus ("summary Prospectus"). It is a group deferred fixed and variable annuity contract (the "Contract") issued by Voya Retirement Insurance and Annuity Company ("VRIAC," the "Company," "we," "us" and "our") through its Variable Annuity Account I (the "Separate Account").

The full prospectus for the Contract contains more information about the Contract, including the features, benefits, and risks. You can find the current Prospectus and other information about the Contract online at <u>https://vpx.broadridge.com/getcontract1.asp?dtype=pros&cid=voyavpx&fid=92912K190</u>. You can also obtain this information at no cost by calling 1-800-584-6001 or by sending an email request to <u>ProspectusRequests@voya.com</u>.

Additional information about certain investment products, including variable annuities, 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.**

USP.130822-26

**TABLE OF CONTENTS**

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| | |
|:---|:---|
| **[SPECIAL TERMS USED IN THIS SUMMARY PROSPECTUS](#vpu_001)** | **3** |
| **[UPDATED INFORMATION ABOUT YOUR CONTRACT](#vpu_002)** | **5** |
| **[IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#vpu_003)** | **6** |
| **[APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#vpu_004)** | **9** |
| **[HOW TO GET MORE INFORMATION](#vpu_005)** | **18** |

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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 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.

**Contract Loans**: Loans initiated by a participant from their Vested individual Account Value allocated to certain Subaccounts and Fixed Interest Options. Amounts equal to a Contract Loan are transferred to the General Account.

**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 Plus 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.

**Plan Loans**: Loans initiated by 401(a), 401(k), 403(b) or governmental 457 plan participants from Vested account balances. Amounts equal to a Plan Loan are transferred to a trust or custodial account held by the Plan Sponsor.

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

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

**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, 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.

**Investment Options**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective June 2, 2025, the American Funds<sup>®</sup> EuroPacific Growth Fund<sup>®</sup>(Class
R4) changed its name to the American Funds<sup>®</sup> EUPAC Fund<sup>®</sup> (Class R4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective July 28, 2025, the Neuberger Berman Sustainable Equity Fund changed its name to the Neuberger
Quality Equity Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective November 21, 2025, the VY<sup>®</sup>T. Rowe Price Growth Equity Portfolio merged into
the Voya Large Cap Growth Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective October 27, 2025, T. Rowe Price Associates, Inc. was added as a subadviser for the Voya
Large Cap Growth Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective December 5, 2025, the VY<sup>®</sup> T. Rowe Price Growth Equity Income Portfolio merged
into the Voya Large Cap Growth Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective on or about July 17, 2026, the VY<sup>®</sup> Baron Growth Portfolio will merge into the
Voya MidCap Opportunities Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective on or about July 17, 2026, the Voya Global
 Insights Portfolio will change its name to the Voya Global Insights Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya Balanced
Income Fund.

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**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT**

**FEES AND EXPENSES**

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| | |
|:---|:---|
| **Are There Charges or Adjustments for Early Withdrawals?** | **No.** We do not impose a charge for early withdrawals from the Contract. |
| **Are There Transaction Charges?** | &nbsp;&nbsp;&nbsp;&nbsp; **Yes.** The Investor may be charged for other transactions:<br> • If you take a loan from our Account Value, you may be subject to a Loan Initiation Fee not to exceed $125 per loan. and<br> • Certain Funds may impose redemption fees as a result of withdrawals, transfers or other Fund transactions you may initiate.<br>**See "FEE TABLE** **- *Transaction Expenses"* and "CHARGES AND FEES" in the full Contract Prospectus.** |
| **Are There Ongoing Fees and Expenses?** | **Yes.** The table below describes the fees and expenses that you may pay *each year*, depending on the Variable 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 are charged until the loan is repaid. |

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| |
|:---|
| **Annual Fee** |
| **Base Contract Expenses**1.25%<sup>1, 2</sup>1.25% <sup>1, 2</sup> |
| **Portfolio Company fees and expenses**0.46%<sup>3</sup>1.49%<sup>3</sup> |

---

<sup>1</sup> As a percentage of average Account Value.

<sup>2</sup> The mortality and expense risk charge, included in the Base Contract Expenses, compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit, including any guaranteed death benefits. **See "CHARGES AND FEES** **- *Periodic Fees and Charges* - Mortality and Expense Risk Charge" in the full Contract prospectus.**

<sup>3</sup> 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.

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**FEES AND EXPENSES**<br> ***(continued from previous page)***<br>

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| | |
|:---|:---|
| **Are There Ongoing Fees and Expenses?** | **Yes.** 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 add early withdrawal charges that substantially increase costs**. |

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| | |
|:---|:---|
| **Lowest Annual Cost Estimate:**<br> **$439** | **Highest Annual Cost Estimate:<br> $2,350** |
| Assumes:<br> • Investment of $100,000;<br> • 5% annual appreciation;<br> • No optional benefits;<br> • No loans;<br> • Fees and expenses of least expensive Fund<br> • No sales charges; and<br> • No additional Purchase Payments, transfers or withdrawals. | Assumes:<br> • Investment of $100,000;<br> • 5% annual appreciation;<br> • No loans;<br> • Fees and expensive for the most expensive Fund;<br> • No sales charges; and<br> • No additional Purchase Payments, transfers or withdrawals. |

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&nbsp;&nbsp; <br> **See "FEE TABLE** **- *Periodic Fees and Expenses"* and "CHARGES AND FEES - *Periodic Fees and Charges*" in the full Contract prospectus.**<br>

**RISKS**

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| | |
|:---|:---|
| **Is there a Risk of Loss from Poor Performance?** | **Yes.** An Investor can lose money by investing in the Contract.<br>**See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the full Contact 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. You might be subject to federal and state income taxes and a 10% penalty.<br>**See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the full Contract prospectus.** |
| **What Are the Risks Associated with the Investment Options?**<br>| 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. If all or a portion of your Account Value in the Guaranteed Accumulation Account is withdrawn, you could experience a loss as to the amount invested in that account.<br>**See 'THE INVESTMENT OPTIONS** **- *The Variable Investment Options,*" THE INVESTMENT OPTIONS – *Fixed Interest Options"* and APPENDIX A 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.<br>**See "THE CONTRACT** **- *The General Account*" in the full Contract prospectus.** |

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**RESTRICTIONS**

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|:---|:---|
| **Are There Limits on the Investment Options?** | **Yes.**<br> • Your plan may limit the number of 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. Please refer to your plan documents for a list of Subaccounts and Fixed Interest Options available to you. t<br> • Not all Fixed Interest Options may be available for current or future investment;<br> • There are certain restrictions on transfers from the Fixed Interest Options;<br> • 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<br> • 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.<br>**See "THE INVESTMENT OPTIONS** - ***Selecting Investment Options* and *Right to Change the Separate Account"* and "THE CONTRACT** - ***Limits on Frequent or Disruptive Transfers"* in the full Contract prospectus.** |
| **Are There any Restrictions on Contract Benefits?** | &nbsp;&nbsp;&nbsp;&nbsp; **Yes.**<br> • We may discontinue or restrict the availability of an optional benefit;<br> Benefits available to you may vary based on your plan. Please refer to your plan documents for benefits available to you; andWithrawals may reduce the amount of a death benefit based on premium by more than the amount withdrawn.<br> **See the "*Optional Benefits Available Under the Contract*** **- Other Optional Benefits" and "MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT" sections of this summary Prospectus.** |

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**TAXES**

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|:---|:---|
| &nbsp;&nbsp;**What are the Contract Tax Implications?** | &nbsp;&nbsp; • 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;<br> • 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<br> • Withdrawals will be subject to ordinary income tax and may be subject to tax penalties.<br>**See "FEDERAL TAX CONSIDERATIONS" in the full Contract prospectus.** |

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**CONFLICTS OF INTEREST**

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|:---|:---|
| **How are Investment Professionals Compensated?** | • We pay compensation to broker/dealers whose registered representatives sell the Contract.<br> • Compensation may be paid in the form of commissions or other compensation, depending upon the agreement between the broker/dealers and the registered representative.<br> • Because of this sales-based compensation, an investment professional may have a financial incentive to offer or recommend the Contract over another investment.<br>**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.<br>**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.**

***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 <u>https://prospectus.voya.com/RetireMaster</u>. 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 <u>ProspectusRequests@voya.com</u>.**

**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.**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide long-term growth of capital. | **American Funds<sup>®</sup> – EUPAC Fund<sup>®</sup> (Class R4)<sup>\*\*,</sup>** <sup>1</sup><br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 0.82%<br>| 28.71%<br>| 4.22%<br>| 8.08%<br>|
| Seeks to provide growth of capital. | **American Funds<sup>®</sup> – The Growth Fund of America<sup>®</sup> (Class R4)<sup>\*\*\*</sup>**<br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 0.63%<br>| 19.88%<br>| 11.76%<br>| 15.11%<br>|
| Seeks long– term capital appreciation. | **Columbia Variable Portfolio – Acorn Fund**<br>**Investment Adviser:** Columbia Wanger Asset Management, LLC | 0.91%<sup>\*</sup> | 4.47% | 1.02% | 8.66% |

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|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective June 2, 2025, the American Funds<sup>®</sup> EuroPacific Growth Fund<sup>®</sup> (Class R4) changed its name to the American Funds<sup>®</sup> EUPAC Fund<sup>®</sup> (Class R4). |
| <sup>\*\*</sup> | This Fund is no longer available to new investments under your plan. |
| <sup>1</sup> | 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**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **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<sup>®</sup> Index. | **Fidelity<sup>®</sup> VIP Equity Income<sup>SM</sup> Portfolio (Initial Class)**<br>**Investment Adviser:** Fidelity Management & Research Company LLC ("FMR")<br>**Subadvisers:** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited | 0.46%<br>| 19.02%<br>| 12.51%<br>| 11.60%<br>|
| Seeks long-term growth of capital | **Invesco V.I. Core Equity Fund (Series I)**<br>**Investment Adviser:** Invesco Advisers, Inc. | 0.80%<br>| 16.17%<br>| 12.81%<br>| 11.73%<br>|
| Seeks to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies. | **Lord Abbett Series Fund, Inc. – Mid Cap Stock Portfolio (Class VC)<sup>\*</sup>**<br> **** <br> **Investment Adviser:** Lord, Abbett & Co. LLC | 1.15%<br>| 7.05%<br>| 10.16%<br>| 7.98%<br>|

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<sup>\*</sup> This Fund is no longer available to new investments under your plan.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| 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)**<sup>\*\*,1</sup><br>**Investment Adviser:** Neuberger Berman Investment Advisers LLC | 1.04%<br>| 17.18%<br>| 13.68%<br>| 13.28%<br>|
| Seeks maximum real return, consistent with preservation of real capital and prudent investment management. | **PIMCO VIT Real Return Portfolio**<br> **(Administrative Class)**<br>**Investment Adviser:** Pacific Investment Management Company LLC | 1.39%<br>| 7.85% | 1.21% | 3.21% |
| Seeks capital appreciation. | **Victory Pioneer Mid Cap Value VCT Portfolio (Class I)**<br>**Investment Adviser:** Victory Capital Management | 0.76%<sup>\*</sup> | 11.19% | 11.16% | 9.01% |
| Seeks total return consisting of capital appreciation (both realized and unrealized) and current income; the secondary investment objective is long-term capital appreciation. | **Voya Balanced Income Portfolio (Class I)<sup>\*\*\*</sup><br>** <br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.58%<sup>\*</sup><br>| 11.96%<br>| 5.92%<br>| 7.16%<br>|
| Seeks to maximize total return through a combination of current income and capital appreciation. | **Voya Global Bond Portfolio (Class I)<br>Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.69%<sup>\*</sup><br>| 8.80%<br>| -2.30%<br>| 1.82%<br>|
| Seeks capital appreciation. | **Voya Global Insights Portfolio (Class I)<sup>\*\*\*\*</sup>**<br> **** <br> **Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.81%<sup>\*</sup><br>| 24.31%<br>| 7.21%<br>| 10.97%<br>|

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|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective July 28, 2025, the Neuberger Berman Sustainable Equity Fund changed its name to the Neuberger Quality Equity Fund. |
| <sup>\*\*\*</sup> | Effective July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya Balanced Income Fund. |
| <sup>\*\*\*\*</sup> | Effective on or about July 17, 2026, the Voya Global Insights Portfolio will change its name to the Voya Global Insights Fund. |
| <sup>1</sup> | 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**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| 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)<sup>\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.40%<sup>\*</sup><br>| 4.02%<br>| 3.02%<br>| 1.96%<br>|
| 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)<sup>\*\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.67%<sup>\*</sup><br>| 18.21%<br>| 15.46%<br>| 14.62%<br>|
| Seeks to outperform the total return performance of the S&P 500<sup>®</sup> Index while maintaining a market level of risk. | **Voya Index Plus LargeCap Portfolio (Class I)<sup>\*\*\*</sup><br>Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC 0.55%<sup>\*</sup><br>| 15.20%<br>| 13.73%<br>| 13.90%<br>|
| Seeks to outperform the total return performance of the S&P MidCap 400<sup>®</sup> Index while maintaining a market level of risk. | **Voya Index Plus MidCap Portfolio (Class I)<br>Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC 0.60%<sup>\*</sup><br>| 8.16%<br>| 9.90%<br>| 9.75%<br>|
| Seeks to outperform the total return performance of the S&P SmallCap 600<sup>®</sup> Index while maintaining a market level of risk. | **Voya Index Plus SmallCap Portfolio (Class I)<sup>\*\*\*</sup><br>Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC 0.60%<sup>\*</sup><br>| 8.27%<br>| 8.97%<br>| 9.23%<br>|

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|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | There is no guarantee that the Voya Government Money Market Portfolio Subaccount will have a positive or level return. |
| <sup>\*\*\*</sup> | This Fund is closed to new retirement plans. |

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| 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)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.55%<sup>\*</sup><br>| 7.71%<br>| 0.15%<br>| 2.66%<br>|
| A *non-diversified* Fund that seeks long-term capital growth. | **Voya Large Cap Growth Portfolio (Class I)<sup>\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadvisers:** Voya Investment Management Co. LLC and T. Rowe Price Associates, Inc.<sup>\*\*\*</sup><br> 0.67%<sup>\*</sup><br>| 15.33%<br>| 12.23%<br>| 15.19%<br>|
| Seeks long-term capital appreciation. | **Voya MidCap Opportunities Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.83%<sup>\*</sup><br>| 3.90%<br>| 4.55%<br>| 10.97%<br>|
| 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)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.87%<sup>\*</sup><br>| 8.59%<br>| 6.26%<br>| 8.39%<br>|

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|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective December 5, 2025, the VY<sup>®</sup> T. Rowe Price Growth Equity Income Portfolio merged into the Voya Large Cap Growth Portfolio. |
| <sup>\*\*\*</sup> | Effective October 27, 2025, T. Rowe Price Associates, Inc. was added as a subadviser for the Voya Large Cap Growth Portfolio. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) | **AVERAGE ANNUAL TOTAL RETURNS**<br> (as of 12/31/2025) |
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT**<br> **ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term capital appreciation. | **Voya SmallCap Opportunities Portfolio (Class I)<sup>\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.92%<sup>\*</sup><br>| 14.80%<br>| 5.85%<br>| 9.11%<br>|
| Seeks total return. | **Voya U.S. Stock Index Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.27%<sup>\*</sup><br>| 17.53%<br>| 14.10%<br>| 14.51%<br>|
| Seeks capital appreciation. | **VY<sup>®</sup> Baron Growth Portfolio (Class S)<sup>\*\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** BAMCO, Inc. | 1.25%<sup>\*</sup> | -10.94% | -0.34% | 9.17% |
| Seeks total return consisting of long-term capital appreciation and current income. | **VY<sup>®</sup> Invesco Equity and Income Portfolio**<br> **(Class S)<sup>\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Invesco Advisers, Inc. | 0.89%<sup>\*</sup><br>| 12.53%<br>| 8.55%<br>| 8.59%<br>|
| Seeks long-term growth of capital and income. | **VY<sup>®</sup> Invesco Growth and Income Portfolio (Class S)<sup>\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Invesco Advisers, Inc. | 0.90%<br>| 15.35%<br>| 12.82%<br>| 10.72%<br>|
| Seeks, over the long-term, a high total investment return, consistent with the preservation of capital and with prudent investment risk. | **VY<sup>®</sup> T. Rowe Price Capital Appreciation Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** T. Rowe Price Associates, Inc. | 0.90%<br>| 12.02%<br>| 9.22%<br>| 11.04%<br>|

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|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | This Fund is closed to new retirement plans. |
| <sup>\*\*\*</sup> | Effective on or about July 17, 2026, the VY<sup>®</sup> Baron Growth Portfolio will merge into the Voya MidCap Opportunities Fund. |

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***Fixed Interest Options***

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

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate<sup>\*</sup>** |
| Guaranteed Accumulation Account | 1 month to 10 years | 0.25% |
| The Fixed Plus Account II | N/A | 3.00% |
| The Fixed Plus Account II A | N/A | 1.00% |

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See "Fixed Interest Options" under "The Investment Options" in the Prospectus for a description of the Fixed Interest Options' features.

<sup>\*</sup> The minimum guaranteed minimum interest rate for your Contract is stated in your Contract, and will not be less than stated.

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**HOW TO GET MORE INFORMATION**

This summary Prospectus incorporates by reference the full Retirement Master Contract prospectus and Statement of Additional Information ("SAI"), each dated May 1, 2026, as amended or supplemented. You can find these documents online at for the Contract prospectus: <u>https://vpx.broadridge.com/getcontract1.asp?dtype=pros&cid=voyavpx&fid=92912K190</u> and for the SAI: <u>https://vpx.broadridge.com/getcontract1.asp?dtype=sai&cid=voyavpx&fid=92912K190</u>. You can also obtain these documents at no cost by calling 1-800-584-6001 or by sending an email request to ProspectusRequests@voya.com.

Reports and other information about the Variable Annuity Account I, and Voya Retirement Insurance and Annuity Company, are available on the Commission's website at <u>http://www.sec.gov</u>. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: <u>publicinfo@sec.gov</u>.

EDGAR Contract Identifier: C000021919

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