# EDGAR Filing Document

**Accession Number:** 0001378536
**File Stem:** 0001378536-25-000084
**Filing Date:** 2025-10
**Character Count:** 9904
**Document Hash:** c20006c621302864cf588a4cdd673021
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001378536-25-000084.hdr.sgml**: 20251015

**ACCESSION NUMBER**: 0001378536-25-000084

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 13

**FILED AS OF DATE**: 20251015

**DATE AS OF CHANGE**: 20251015

**EFFECTIVENESS DATE**: 20251015

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EAIC VARIABLE CONTRACT ACCOUNT A
- **CENTRAL INDEX KEY:** 0001378536

**ORGANIZATION NAME:**
- **EIN:** 061050034

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-162553
- **FILM NUMBER:** 251394410

**BUSINESS ADDRESS:**
- **BUSINESS PHONE:** (877)778-2100

**MAIL ADDRESS:**
- **STREET 1:** 8515 E ORCHARD ROAD
- **CITY:** GREENWOOD VILLAGE
- **STATE:** CO
- **ZIP:** 08111

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PRIAC VARIABLE CONTRACT ACCOUNT A
- **DATE OF NAME CHANGE:** 20061214

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Prudential Retirement Insurance & Annuity CO
- **DATE OF NAME CHANGE:** 20061018

## Series and Classes Contracts Data

### EAIC VARIABLE CONTRACT ACCOUNT A (Series ID: S000015836)

---

|  |  |
|:---|:---|
| Class Name                             | Class ID   |
| Empower Retirement Security Annuity IV | C000082341 |

---

## Series and Classes Contracts Data

### EAIC VARIABLE CONTRACT ACCOUNT A (Series ID: S000015836)

| Class ID   | Class Name                             | Ticker Symbol   |
|:---|:---|:---|
| C000082341 | Empower Retirement Security Annuity IV |  |

?xml version='1.0' encoding='ASCII'? ck0001378536-20251015

**EMPOWER ANNUITY INSURANCE COMPANY**

**EAIC VARIABLE CONTRACT ACCOUNT A**

**Empower Retirement Security Annuity IV**

**Supplement to Prospectus Dated May 1, 2025**

**Supplement dated October 15, 2025**

**This Supplement should be read and retained with the current Prospectus for your Annuity. This Supplement is intended to update certain information in the Prospectus for your Annuity. If you would like another copy of the current Prospectus, please contact us at 1-855-756-4738.**

We are issuing this supplement to update fee, expense, and fee footnote information associated with the PGIM 60/40 Allocation Fund, effective September 29, 2025.

**PROSPECTUS CHANGES**

&nbsp;&nbsp;&nbsp;&nbsp;**1.<u>Under</u> <u>"IMPORTANT</u> <u>INFORMATION</u> <u>YOU</u> <u>SHOULD</u> <u>CONSIDER</u> <u>ABOUT</u> <u>THE</u> <u>CONTRACT"</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) In the "**Ongoing Fees and Expenses (annual charges)**" section of the "FEES AND EXPENSES" table, we are replacing the Annual Fee chart with the following:

---

| | | |
|:---|:---|:---|
| **Annual Fee** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Minimum** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum** |
| Base Contract <sup>1</sup> |  |  |
| &nbsp;&nbsp;&nbsp;Plan Type A | 1.00% | 3.25% |
| &nbsp;&nbsp;&nbsp;Plan Type B | 1.15% | 3.00% |
| Investment Options (Portfolio Fees and Expenses) | 0.51% | 0.84% |
| Optional Benefits For An Additional Charge <sup>2</sup> |  |  |

---

*1The Base Contract fee includes the fee for the IncomeFlex Target Benefit and the mortality and expense fee.*

*2The Optional Benefit is the Optional Spousal Benefit.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) In the "**Ongoing Fees and Expenses (annual charges)**" section of the "FEES AND EXPENSES" table, we are replacing the Lowest Annual Cost and Highest Annual Cost tables for Plan Type A and Plan Type B with the following:

**PLAN TYPE A**

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Lowest Annual Cost**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**$1380** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Highest Annual Cost**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**$3347** |
| Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Least expensive combination of Base Contract fee and portfolio fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Most expensive combination of Base Contract fee and portfolio fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals |

---

2025-PROSUPP-4-ERSA IV

------

**PLAN TYPE B**

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Lowest Annual Cost**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**$1507** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Highest Annual Cost**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**$3175** |
| Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Least expensive combination of Base Contract fee and portfolio fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Most expensive combination of Base Contract fee and portfolio fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals |

---

&nbsp;&nbsp;&nbsp;&nbsp;**2.<u>Under</u> <u>"FEE</u> <u>TABLE"</u>**

We are replacing the table entitled "Annual Portfolio Company Expenses" with the following:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**ANNUAL PORTFOLIO COMPANY EXPENSES** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**ANNUAL PORTFOLIO COMPANY EXPENSES** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**ANNUAL PORTFOLIO COMPANY EXPENSES** |
| | **Minimum** | **Maximum** |
| Annual Portfolio Company Expenses | 0.51% | 0.84% |
| (expenses that are deducted from portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses) | (expenses that are deducted from portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses) | (expenses that are deducted from portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses) |

---

&nbsp;&nbsp;&nbsp;&nbsp;**3.<u>Under</u> <u>"Section</u> <u>5:</u> <u>What</u> <u>Are</u> <u>The</u> <u>Expenses</u> <u>Associated</u> <u>With</u> <u>The</u> <u>Empower</u> <u>Retirement</u> <u>Security</u> <u>Annuity IV?"</u>**

We are replacing the sub-section entitled "Underlying Mutual Fund Fees" with the following:

**UNDERLYING MUTUAL FUND FEES**

When you allocate a Purchase Payment or a transfer to the Variable Investment Options, we in turn invest in shares of a corresponding underlying mutual fund. Those funds charge fees and incur operating expenses that are in addition to the Contract-related fees described in this section. Without regard to expense caps, the total fees and operating expenses of the PGIM Balanced Fund is 0.84% annually. Without regard to expense caps, the total fees and operating expenses of the PGIM 60/40 Allocation Fund is 0.51% annually. For additional information about these fund fees, please consult the prospectus for each fund.

&nbsp;&nbsp;&nbsp;&nbsp;**4.<u>Under</u> <u>"APPENDIX</u> <u>A:</u> <u>PORTFOLIOS</u> <u>AVAILABLE</u> <u>UNDER</u> <u>THE</u> <u>CONTRACT"</u>**

We are replacing footnote 1, associated with the PGIM 60/40 Allocation Fund – Class R6, with the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*1. The manager has contractually agreed, through November 30, 2026, to limit Current Expenses after fee waivers and/or expense reimbursements to 0.40% of average daily net assets for Class R6 shares. This contractual waiver includes acquired fund fees and expenses, and excludes fund and any acquired fund interest, brokerage, taxes (such as income and foreign withholding taxes, stamp duty and deferred tax expenses), extraordinary expenses, and certain other fund expenses such as dividend and interest expense and broker charges on short sales. Fees and/or expenses waived and/or reimbursed by the manager for the purpose of preventing the expenses from exceeding a certain expense ratio limit may be recouped by the manager within the same fiscal year during which such waiver and/or reimbursement is made if such recoupment can be realized without exceeding the expense limit in effect at the time of the waiver/reimbursement and/or recoupment for that fiscal year, as applicable. This waiver may not be terminated prior to November 30, 2026 without the prior approval of the fund's Board of Trustees.*

**PLEASE RETAIN THIS SUPPLEMENT WITH YOUR PROSPECTUS**

2025-PROSUPP-4-ERSA IV