# EDGAR Filing Document

**Accession Number:** 0000837010
**File Stem:** 0001133228-26-006683
**Filing Date:** 2026-4
**Character Count:** 117847
**Document Hash:** 93407919ce31cbe217be98888c48cea4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001133228-26-006683.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001133228-26-006683

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VOYA RETIREMENT INSURANCE & ANNUITY Co
- **CENTRAL INDEX KEY:** 0000837010
- **STANDARD INDUSTRIAL CLASSIFICATION:** LIFE INSURANCE [6311]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 710294708
- **STATE OF INCORPORATION:** CT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-294118
- **FILM NUMBER:** 26900031

**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:** ING LIFE INSURANCE & ANNUITY CO
- **DATE OF NAME CHANGE:** 20020319

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AETNA LIFE INSURANCE & ANNUITY CO /CT
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### VOYA RETIREMENT INSURANCE & ANNUITY Co (Series ID: S000101509)

| Class ID   | Class Name                      | Ticker Symbol   |
|:---|:---|:---|
| C000271710 | Guaranteed Accumulation Account |  |

**VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY**

**OPPORTUNITY PLUS**

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

**(THE "CONTRACT" OR "CONTRACTS")**

issued to

**Plans Established by Eligible Organizations<br> Under Tax Code Sections 403(b) and Roth 403(b)**

**SUMMARY PROSPECTUS FOR NEW INVESTORS**

**May 1, 2026**

____________________________________________________________________________

This summary Prospectus summarizes key features of the Contract.

 

Before you participate in the Contract through your retirement plan, you should also review the full prospectus for the Contract (the "full Contract prospectus"). It contains more information about the Contract's features, benefits, and risks. You can find this document and other information about the contract online at <u>https://vpx.broadridge.com/getcontract1.asp?doctype=pros&dtype=isp&cid=voyavpx&fid=NRVA00021</u>. You can also obtain 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 Contract is a complex investment and involves risks, including potential loss of principal. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in surrender charges, negative Market Value Adjustments, taxes, and tax penalties. **If you remove Account Value from the Guaranteed Accumulation Account ("GAA"), a Fixed Interest Option, before the end of a Guaranteed Term, you may be subject to a Market Value Adjustment ("MVA") that could result in a loss of up to 100% of your Account Value in the GAA The Company offers systematic distribution options, which, if taken from the GAA before the end of a Guaranteed Term, may have an adverse impact on your Account Value. If you intend to make ongoing withdrawals, you should consult with your investment professional to discuss whether the Contract is appropriate for you.**

Our obligations under the Contract are subject to our financial strength and claims-paying ability.

___________________________________________________________________________

**An Investor may cancel the Contract within 10 days of receiving it**

**without paying fees or penalties, although we will ally the Market Value Adjustment to Account Value in the GAA.**

**In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Account Value. You should review this summary Prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.**

Additional information about certain investment products, including variable annuities and fixed interest options with market value adjustments, 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.**

ISP.294118-26 1

**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| **[SPECIAL TERMS USED IN THIS SUMMARY PROSPECTUS](#a_001)** | **3** |
| **[OVERVIEW OF THE CONTRACT](#a_002)** | **5** |
| &nbsp;&nbsp;&nbsp;[Purpose](#a_003) | &nbsp;&nbsp;&nbsp;5 |
| &nbsp;&nbsp;&nbsp;[Phases of Contract](#a_004) | 5 |
| &nbsp;&nbsp;&nbsp;[Contract Features](#a_005) | 6 |
| &nbsp;&nbsp;&nbsp;[BENEFITS AVAILABLE UNDER THE CONTRACT](#a_006) | 7 |
| **[IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#a_007)** | **9** |
| **[BUYING THE CONTRACT](#a_008)** | **13** |
| &nbsp;&nbsp;&nbsp;[Purchasing the Contract](#a_009) | 13 |
| &nbsp;&nbsp;&nbsp;[Participating in the Contract](#a_010) | 13 |
| &nbsp;&nbsp;&nbsp;[Allocation of Purchase Payments](#a_011) | 13 |
| &nbsp;&nbsp;&nbsp;[Tax Code Restrictions](#a_012) | 13 |
| &nbsp;&nbsp;&nbsp;[When Initial and Subsequent Purchase Payments Are Credited](#a_013) | 13 |
| **[MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT](#a_014)** | **14** |
| &nbsp;&nbsp;&nbsp;[Withdrawals](#a_015) | 14 |
| &nbsp;&nbsp;&nbsp;[Calculation of Your Withdrawal](#a_016) | 14 |
| &nbsp;&nbsp;&nbsp;[Delivery of Payment](#a_017) | 14 |
| &nbsp;&nbsp;&nbsp;[Withdrawal Restrictions](#a_018) | 14 |
| &nbsp;&nbsp;&nbsp;[Systematic Distribution Options](#a_019) | 15 |
| &nbsp;&nbsp;&nbsp;[Loans](#a_020) | 16 |
| **[ADDITIONAL INFORMATION ABOUT FEES](#a_021)** | **17** |
| &nbsp;&nbsp;&nbsp;[Transaction Expenses](#a_022) | 17 |
| &nbsp;&nbsp;&nbsp;[Annual Contract Expenses](#a_023) | 18 |
| &nbsp;&nbsp;&nbsp;[Annual Fund Expenses](#a_024) | 18 |
| &nbsp;&nbsp;&nbsp;[Examples](#a_025) | 19 |
| **[APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#a_026)** | **20** |

---

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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. There are other capitalized terms that are explained or defined in other parts of this summary Prospectus.*

**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.

**Account Year**: A 12-month period measured from the date we establish your account or measured from any anniversary of that date.

**Accumulation Phase:** The period of time between the date the Contract became effective and the date you start receiving Income Phase payments under the Contract. During the Accumulation Phase, you accumulate retirement benefits.

**Accumulation Unit:** A unit of measurement used to calculate the Account Value during the Accumulation Phase.

**Accumulation Unit Value**: The value of an Accumulation Unit for a Subaccount of Variable Annuity Account C. Each Subaccount of Variable Annuity Account C has its own Accumulation Unit Value, which may increase or decrease daily based on the investment performance of the applicable underlying Fund in which it invests.

**Beneficiary (or Beneficiaries):** The person designated to receive the death benefit payable under the Contract.

**Contract or Contracts**: The group deferred 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.

**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.

**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.

**Good Order**: Generally, a request is considered to be in "Good Order" when it is signed, dated, and made with such clarity and completeness that we are not required to exercise any discretion in carrying it out. We can only act upon written requests that are received in Good Order.

**Income Phase**: The period during which you receive payments from your Contract.

**Investor (also "you" or "participant")**: The individual who participates in the Contract through a retirement plan.

**MVA:** A Market Value Adjustment applicable to amounts removed from the Guaranteed Accumulation Account (GAA) prior to the end of a Guaranteed Term.

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

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

**Purchase Payment Period (also called "Deposit Cycle" in the Contract):** For installment Purchase Payments, the period of time it takes to complete the number of installment Purchase Payments expected to be made to your account over a year. For example, if your payment frequency is monthly, a payment period is completed after 12 Purchase Payments are made. If only 11 Purchase Payments are made, the payment period is not completed until the

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twelfth Purchase payment is made. At any given time, the number of payment periods completed cannot exceed the number of Account Years completed, regardless of the number of payments made.

**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.

**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., 403(b) plan), the Vested amount may include employer matching contributions.

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**OVERVIEW OF THE CONTRACT**

 

*This summary provides a brief overview of the more significant aspects of the Contract. Further detail is provided in this summary Prospectus, the Contract and the summary or full prospectuses for the Funds being considered. We urge you to read the entire summary Prospectus as it describes all material features and benefits of the Contract and your rights and limitations thereunder. It also sets forth information you should know before making the decision to participate in the Contract through your retirement plan. Certain features and benefits may vary depending on the state in which your Contract is issued.*

*Certain features and benefits may vary depending on the state in which your Contract is issued, and any such material state variations are disclosed in the discussion of the features and benefits in the Prospectus. Additionally, variations in contract benefits or features described in this Prospectus may be imposed without our knowledge by some financial institutions or broker-dealers through which the Contract was sold. For more information, see "OTHER TOPICS – Financial Intermediary Variations" section of the prospectus. If you have any questions about any limitations, restrictions, or other variations related to the Portfolios, contract benefits or other contract features available to you, please reach out to your financial institution or broker-dealer.*

**Purpose**

The Contract described in this summary Prospectus is a group deferred variable and fixed annuity contract. It is intended to be used as a funding vehicle for certain types of retirement plans and to qualify for beneficial tax treatment and/or to provide current income reduction under Tax Code Sections 403(b) and Roth 403(b) plans.

The Contract is designed for Investors who intend to accumulate funds for retirement purposes, and thus is best suited for those with a long investment horizon. The Contract should not be viewed as a highly liquid investment. The value of deferred taxation on earnings grows with the amount of time your money is left in the Contract. For these reasons, you should not participate in this Contract if you are looking for a short-term investment. When considering whether to purchase or participate in the Contract, you should consider your financial goals, investment time horizon and risk tolerance.

**Phases of Contract**

The Contract has two phases: An **Accumulation Phase** and an **Income Phase.**

**Accumulation Phase:** During the Accumulation Phase, you direct us to invest your Purchase Payments or Account Value among the follow investment options:

&nbsp;&nbsp;&nbsp;&nbsp;• Variable Investment Options; and/or

&nbsp;&nbsp;&nbsp;&nbsp;• Fixed Interest Options.

**The Variable Investment Options:** The Variable Investment Options are Subaccounts within the Separate Account. Each Subaccount invests its assets directly in shares of a corresponding underlying Fund, and each Fund has its own distinct investment objectives, fees and expenses and investment advisers. Earnings on amounts invested in a Subaccount will vary depending upon the performance and fees of the corresponding underlying Fund. You do not invest directly in or hold shares of the Funds.

There is no guarantee that your Account Value will increase. Depending upon the investment experience of each Fund in which a Subaccount invests, your Account Value may increase or decrease daily. You bear the investment risk for the Funds in which the Subaccounts invest; you will benefit from favorable investment experience but also bear the risk of poor investment performance.

**The Fixed Interest Options:** The following Fixed Interest Options may be available through the Contract:

&nbsp;&nbsp;&nbsp;&nbsp;• The Guaranteed Accumulation Account; and

&nbsp;&nbsp;&nbsp;&nbsp;• The Fixed Account;

Not all Fixed Interest Options may be available for current or future investment. The Guaranteed Accumulation Account is no longer offered for sale to new plans.

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**Additional information about the Variable Investment Options and Fixed Interest Options is provided in an appendix to this document. See "APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT."**

**Income Phase:** During the Income Phase, you start receiving annuity, or Income Phase, payments from your Contract. However, during the Income Phase you will be unable to make withdrawals, and any death benefits will terminate. The Contract offers several Income Phase payment options. In general, you may:

&nbsp;&nbsp;&nbsp;&nbsp;• Receive Income Phase payments over a lifetime or for a specified period;

&nbsp;&nbsp;&nbsp;&nbsp;• Receive Income Phase payments monthly, quarterly, semi-annually or annually;

&nbsp;&nbsp;&nbsp;&nbsp;• Select an Income Phase option that provides a death benefit to Beneficiaries; or

**Contract Features**

**Death Benefit**. A Beneficiary may receive a death benefit in the event of your death during both the Accumulation and Income Phases (described above). The availability of a death benefit during the Income Phase depends upon the Income Phase (i.e., annuity) payment option selected. **See "DEATH BENEFIT** **- *Death Benefit During the Income Phase*" in the full Contract prospectus.**

**Asset Rebalancing Program.** Our asset rebalancing program may be available in connection with certain Contracts. Asset rebalancing allows you to reallocate your Account Value in the investments and percentages you identify. There is no additional charge for this program. **See "THE CONTRACT** **- *Contract Purchase and Limitations* - The Asset Rebalancing Program" in the full prospectus Contract prospectus.**

**Loans.** If allowed by the Contract and the plan and subject to the terms and conditions imposed by the plan and the plan's loan agreement, you may initiate a loan during the Accumulation Phase from your Account Value allocated to certain Subaccounts and Fixed Interest Options. There are charges associated with loans. Loans are subject to requirements under the Tax Code and related loan regulations, as well as ERISA (if applicable). Further restrictions may apply due to our administrative practices or those administrative practices of a third party administrator selected by your Plan Sponsor. **See "LOANS" in the full Contract prospectus**

**Systematic Distribution Options.** These allow you to receive regular payments from your account, while retaining the account in the Accumulation Phase. **See "SYSTEMATIC DISTRIBUTION OPTIONS" in the full Contract prospectus.**

**Withdrawals**. During the Accumulation Phase, you may, under some plans, withdraw all or part of your Account Value. Amounts withdrawn may be subject to a Market Value Adjustment (for amounts in the GAA), an early withdrawal charge, other deductions, tax withholding, taxation and tax penalties, as well as significant reductions to your Account Value and the Death Benefit, perhaps by more than the amount withdrawn. **See "WITHDRAWALS" in the full Contract prospectus.**

**Taxation.** Taxes will generally be due when you receive a distribution. Tax penalties may apply in some circumstances. **See "FEDERAL Tax Considerations" in the full Contract prospectus.**

***Contract Adjustments***

You could lose a significant amount of money due to a Market Value Adjustment if you remove Account Value from the Guaranteed Accumulation Account ("GAA"), a Fixed Interest Option, before the end of a Guaranteed Term. A negative MVA may apply if you withdraw or transfer Account Value from the GAA, or upon payments due to the death of the participant, if paid more than six months following death (or disability, if applicable).

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**BENEFITS AVAILABLE UNDER THE CONTRACT**

The following table summarizes information about the benefits available under the Contract. Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain Contract benefits. If you have any questions about any limitations, restrictions, or other variations related to the contract benefits available to you, please reach out to your financial institution or broker-dealer. **For more information, see "OTHER TOPICS – *Financial Intermediary Variations*" section of the full Contract prospectus.**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is Benefit Standard or Optional** | **Maximum Fee** | **Brief Description of<br> Restrictions/Limitations** |
| **Guaranteed Death Benefit** | The death benefit is the greater of (a) or (b), where:<br> (a) Is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a proportional adjustment for withdrawals and amounts taken as a loan, which amount will never be less than zero; and<br> (b) Is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable. | Standard | No additional fee for this death benefit. | If the death benefit in (a) is greater than the amount in (b), the amount, if any, will be credited to the Voya Government Money Market Portfolio and deposited as of the Valuation Date following the date Customer Service receives proof of death acceptable to us and a payment request in Good Order. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits.<br>|
| **Asset Rebalancing Program** | Allows you to reallocate your Account Value in the investments and percentages you identify. | Standard | No additional fee for this benefit. | Account Values invested in certain investment options may not be available for rebalancing under this program. Subaccount reallocations or changes outside of the asset rebalancing program may affect the program. Changes such as Fund mergers, substitutions or closures may also affect the program. This benefit may not be available under your Contract. Participants should refer to their plan document for available benefits. |
| **Systematic Distribution Options** | Allows you to receive regular payments from your account without moving into the Income Phase. | Standard | No additional fee for this benefit. | If not required under the plan, VRIAC may discontinue the availability of one or all of the systematic distribution options at any time and/or change the terms of future elections. This benefit may not be available under your Contract. Participants should refer to their plan document for available benefits. |

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|:---|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is Benefit Standard or Optional** | **Maximum Fee** | **Brief Description of<br> Restrictions/Limitations** |
| **Loans** | Allows you to borrow against your Account Value. | Standard | No additional fee for this benefit. | Loans are only allowed from amounts allocated to certain Subaccounts and Fixed Interest options. |

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

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|:---|:---|
| **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **Yes.** If the Investor withdraws money from the Contract within ten (10) Account Years, the Investor can be assessed an early withdrawal charge equal to a maximum of 5% of the amount withdrawn. The early withdrawal charge applies only to amounts withdrawn from the Fixed Account and amounts withdrawn from a Subaccount or the Guaranteed Accumulation Account if they were attributable to amounts held in the Fixed Account (and any earnings on such amounts).<br>For example, if you make an early withdrawal from a 403(b) Contract, you could pay a surrender charge of up to $5,000 on a $100,000 investment. This loss will be greater if there is a negative Market Value Adjustment, taxes, or tax penalties.<br>If all or a portion of your Account Value is removed from the Guaranteed Accumulation Account ("GAA") before the end of a Guaranteed Term, we will apply a Market Value Adjustment, which may be negative and could cause a potential loss of up to 100% of your Account Value in the GAA. For example, you allocate $100,000 to the GAA with a 3-year Guaranteed Term and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss will be greater if you also have to pay a surrender charge, taxes, and tax penalties. A MVA may apply if you withdraw or transfer Account Value from the GAA, or upon payments due to the death of the participant, if paid more than six months following death (or disability, if applicable).<br>**See "FEE TABLE** **- *Transaction Expenses," "FEE TABLE - Adjustments,"* "CHARGES, FEES AND ADJUSTMENTS - *Transaction Fees -* Early Withdrawal Charge," and "CHARGES, FEES AND ADJUSTMENTS - *Market Value Adjustments*" in the full Contract prospectus*.*** |
| **Are There Transaction Charges?** | **Yes.**<br> • In addition to the early withdrawal charge and Market Value Adjustments, the Investor may also be charged for other transactions. If you take a Contract loan from your 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, FEES AND ADJUSTMENTS" 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 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 is charged until the loan is repaid. |

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|:---|
| **Annual Fee** |
| **Base Contract Expenses**1.20%<sup>1,2</sup>1.25%<sup>1,2</sup> |
| **Investment Options**<br> **Portfolio Company fees and expenses**<br>0.46%<sup>3</sup>3.38%<sup>3</sup> |

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

<sup>2</sup> The "Base Contract Expenses" include (1) the mortality and expense risks charge, equal to 1.00% (0.35% for the Voya Government Money Market Portfolio Subaccount), which 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; and (2) an administrative expense charge of up to 0.25%. **See "CHARGES, FEES AND ADJUSTMENTS** **- *Periodic Fees and Charges* - Mortality and Expense Risk Charge" in the full Contract prospectus.**

<sup>3</sup> As a percentage of the Portfolio Company's net assets. 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, EXPENSES AND ADJUSTMENTS**<br> ***(continued from previous page)***<br>

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|:---|:---|
| **Are There Ongoing Fees and Expenses?** | 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 surrender charges and negative Market Value Adjustments that substantially increase costs**.<br>|

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|:---|:---|
| **Lowest Annual Cost Estimate:**<br> **$439** | **Highest Annual Cost Estimate:<br> $3,637** |
| Assumes:<br> • Investment of $100,000;<br> • 5% annual appreciation;<br> • Fees and expenses of least expensive Fund;<br> • No optional benefits;<br> • No loans;<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 expenses of most expensive Fund;<br> • No sales charges; and<br> • No additional Purchase Payments, transfers, or withdrawals. |

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| | <br> **See "ADDITIONAL INFORMATION ABOUT FEES** **- *Periodic Fees and Expenses*" sections of this summary Prospectus and "CHARGES, FEES AND ADJUSTMENTS - *Periodic Fees and Charges*" in the full Contract prospectus.** |
| **RISKS** | **RISKS** |
| **Is There a Risk of Loss from Poor Performance?** | **Yes.** An Investor can lose money by investing in the Contract. Contact Customer Service at 1-800-584-6001 for questions regarding the Contract.<br>**See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the full Contract 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. 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>Amounts withdrawn from the Contract may result in surrender charges, taxes, and tax penalties. Amounts removed from the Guaranteed Accumulation Account before the end of a Guaranteed Term may also result in a negative Market Value Adjustment. At the end of the Guaranteed Term, we will reallocate your Account Value in the GAA according to your instructions. If you have not provided instructions, we will automatically reinvest the maturing investment into a guaranteed term available in the current deposit period. For contracts that distinguish between short- and long-term classifications, we will generally transfer the maturing investment to the available deposit period for the guaranteed term having the shortest maturity within the same classification. For other contracts, we will generally transfer the maturing investment in the following manner based upon availability:<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• To a guaranteed term of the same duration, if available;<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• To a guaranteed term with the next shortest duration, if available; or<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• To a guaranteed term with the next longest duration.<br>**See "PRINCIPAL RISKS OF INVESTING IN THE CONTRACT" in the full Contract prospectus.** |

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| **RISKS**<br> ***(continued from previous page)*** | **RISKS**<br> ***(continued from previous page)*** |
| **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 (e.g., portfolio companies). 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.<br>**See "THE INVESTMENT OPTIONS** **- *The Variable Investment Options*" and "THE INVESTMENT OPTIONS – *The Fixed Interest Options"* in the full Contract prospectus*.***  |
| **What Are the Risks Related to the Insurance Company Risks?** | 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.** |
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Are There Limits on the Investment Options?** | **Yes.**<br> • Your plan may limit the number of investment options you may select at any one time. Please refer to your plan documents for more information;<br> • Some Subaccounts and Fixed Interest Options may not be available through your plan. Please refer to your plan documents for a list of Subaccounts and Fixed Interest Options available to you.<br> • Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain investment options<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*" and "OTHER TOPICS – *Financial Intermediary Variations*" in the full Contract prospectus.** |

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| | |
|:---|:---|
| **Are There any Restrictions on Contract Benefits?** | **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;<br> • Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain Contract benefits;<br> • Account Values invested in certain investment options may not be available for rebalancing under the Asset Rebalancing Program. Subaccount reallocations or changes outside of the Asset Rebalancing Program may affect the program;<br> • If not required under your plan, we may discontinue the availability of one or all of the Systematic Distribution Options at any time and/or change the terms of future elections; and<br> • Withdrawals may reduce the amount of a death benefit based on Purchase Payments by more than the amount withdrawn. |

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| | |
|:---|:---|
| | **See "THE CONTRACT – *Contract Provisions and Limitations – The Asset Rebalancing Program*," "DEATH BENEFIT – *Death Benefit Options*," "SYSTEMATIC DISTRIBUTION OPTIONS – *Availability of Systematic Distribution Options*," "LOANS - *Availability*" and "OTHER TOPICS – *Financial Intermediary Variations*" in the full Contract prospectus.** |
| **TAXES** | **TAXES** |
| **What are the Contract's Tax Implications?** | • 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.** |
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **How are Investment Professionals Compensated?** | • We do not pay compensation to broker-dealers or their registered representatives in connection with the sale of the Contract.<br> • Compensation may be paid in the form of commissions or other compensation, to certain management personnel, including sales management personnel.<br> • Because of this sales-based compensation, management personnel and sales management personnel 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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**BUYING THE CONTRACT**

**Purchasing the Contract**

To purchase the Contract:

&nbsp;&nbsp;&nbsp;&nbsp;• The Contract Holder submits the required forms and application to the Company; and

&nbsp;&nbsp;&nbsp;&nbsp;• We approve the forms and issue a Contract to the Contract Holder.

**Participating in the Contract**

To participate in the Contract:

&nbsp;&nbsp;&nbsp;&nbsp;• We provide you with enrollment materials for completion and return to us, which may be completed electronically
where available (occasionally enrollment is conducted by someone unaffiliated with us who is assisting the Contract Holder); and

&nbsp;&nbsp;&nbsp;&nbsp;• If your enrollment materials are complete and in Good Order, we establish one or more accounts for you.
We may establish an employee account for contributions from your salary or rollover amount, an employer account for employer contributions
and a Roth 403(b) account for employee contributions from your salary or rollover amount. Your account includes amounts held under both
the installment Purchase Payment Contract and the single Purchase Payment Contract.

**Allocation of Purchase Payments**

The Contract Holder or you, if the Contract Holder permits, directs us to allocate initial Purchase Payments to the investment options available under the plan. Generally, you will specify this information on your enrollment materials. After your enrollment, changes to allocations for future Purchase Payments or transfers of existing balances among investment options may be requested by telephone, electronically at www.voyaretirementplans.com or through such other means as may be available under our administrative procedures in effect from time to time. Allocations must be in whole percentages, and there may be limitations on the number of investment options that can be selected. **See "Investment Options" in the full Contract prospectus.**

**Tax Code Restrictions**

 ****

The Tax Code places some limitations on contributions to your account. **See "FEDERAL Tax Considerations" in the full Contract prospectus.**

**When Initial and Subsequent Purchase Payments Are Credited**

**Initial Purchase Payment**. We must accept or reject an application or your enrollment materials within two business days of receipt. If the forms are incomplete, we may hold any forms and accompanying Purchase Payments for five business days, unless you consent to our holding them longer. Under limited circumstances, we may also agree, for a particular plan, to hold Purchase Payments for longer periods with the permission of the Contract Holder. If we agree to do this, the Purchase Payments remain in a non-interest bearing bank account until processed (or for a maximum of 105 days). If we reject the application or enrollment forms, we will return the forms and any Purchase Payments.

**Subsequent Purchase Payments.** If all or a portion of initial Purchase Payments are directed to the Subaccounts, they will purchase Subaccount Accumulation Units at the Accumulation Unit Value next computed after our acceptance of the applicable application or enrollment forms, as described in "**CONTRACT PURCHASE AND PARTICIPATION**" in the full Contract prospectus. Subsequent Purchase Payments or transfers directed to the Subaccounts that we receive in Good Order by the close of business of the New York Stock Exchange ("NYSE") (normally at 4:00 p.m. Eastern Time) will purchase Subaccount Accumulation Units at the Accumulation Unit Value computed as of the close of the NYSE on that day. The value of Subaccounts may vary day to day. Subsequent

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Purchase Payments and transfers received in Good Order after the close of the NYSE will purchase Accumulation Units at the Accumulation Unit Value computed as of the close of the NYSE on the next business day.

**MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT**

**Withdrawals**

Subject to limitations on withdrawals from the Fixed Interest Options and other restrictions (see "**W** **ithdrawal Restrictions**" in this section and **"THE INVESTMENT OPTIONS** **- *The Fixed Interest Options*" in the full Contract prospectus**, the Contract Holder or you, if permitted by the plan, may withdraw all or a portion of your Account Value at any time during the Accumulation Phase.

**Steps for Making a Withdrawal**

The Contract Holder, or you if permitted by the plan, must:

&nbsp;&nbsp;&nbsp;&nbsp;• Select the Withdrawal Amount:

&nbsp;&nbsp;&nbsp;&nbsp;• Full Withdrawal: You will receive, reduced by any required tax, your Account Value
allocated to the Subaccounts, minus any applicable redemption fees; or

&nbsp;&nbsp;&nbsp;&nbsp;• Partial Withdrawal (Percentage or Specified Dollar Amount): You will receive, reduced
by any required tax, the amount you specify, subject to the value available in your account. However, the amount actually withdrawn from
your account will be adjusted by any applicable redemption fees for amounts withdrawn from the Subaccounts.

&nbsp;&nbsp;&nbsp;&nbsp;• Select Investment Options. If not specified, we will withdraw dollars in the same
proportion as the values you hold in the various investment options from each investment option in which you have an account value; and

&nbsp;&nbsp;&nbsp;&nbsp;• Properly complete a disbursement form and submit it to Customer Service.

For amounts you withdraw from Account Value allocated to the Subaccounts, we will redeem the number of Accumulation Units needed to fund the withdrawal and reduce your Account Value accordingly. A reduction to your Account Value due to a withdrawal results in a lesser amount available to be annuitized and a lesser death benefit (if your death benefit amount is based on your Account Value).

**Calculation of Your Withdrawal**

We determine your Account Value every normal business day after the close of the NYSE. We pay withdrawal amounts based on your Account Value either:

&nbsp;&nbsp;&nbsp;&nbsp;• As of the next valuation after Customer Service receives a request for withdrawal in Good Order; or

&nbsp;&nbsp;&nbsp;&nbsp;• On such later date as specified on the disbursement form.

**Delivery of Payment**

Payments for withdrawal requests will be made in accordance with SEC requirements. Normally, we will send your payment no later than seven calendar days following our receipt of your disbursement form in Good Order.

**Withdrawal Restrictions**

Many plans may have limits on withdrawals that may be made from the plan. Some examples of these limits are listed below:

&nbsp;&nbsp;&nbsp;&nbsp;• Section 403(b)(11) of the Tax Code generally prohibits withdrawals under 403(b) Contracts prior to your
death, disability, attainment of age 59½, severance from employment, or financial hardship of the following:

&nbsp;&nbsp;&nbsp;&nbsp;• Salary reduction contributions made after December
31, 1988; and

&nbsp;&nbsp;&nbsp;&nbsp;• Earnings on those contributions and earnings on
amounts held as of December 31, 1988; Income attributable to salary reduction contributions, may also not be distributed in the case of
hardship. Effective for plan years beginning after December 31, 2023, income attributable to salary reduction contributions and credited
on or

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after January 1, 1989, may also not be distributed in the case of hardship. Effective for plan years beginning after December 31, 2023, 403(b) Contracts may also allow hardship withdrawals of non-elective and matching contributions, inclusive of earnings on such contributions. Other withdrawals may be allowed as provide for under the Tax Code or regulations; and

&nbsp;&nbsp;&nbsp;&nbsp;• 403(b) regulations impose restrictions on the distribution of 403(b) employer contributions under certain
Contracts. **See "FEDERAL Tax Considerations – Distributions – Eligibility – 403(b) and Roth 403(b) Plans" in the full Contract prospectus**.

The Tax Code and/or your plan may impose other limitations on withdrawals. **See "FEDERAL Tax Considerations – Distributions – Eligibility" in the full Contract prospectus.**

**Systematic Distribution Options**

If available under your plan, a systematic distribution option allows you to receive regular payments from your account without moving into the Income Phase. By remaining in the Accumulation Phase, you retain certain rights and investment flexibility not available during the Income Phase. Because the account remains in the Accumulation Phase, all Accumulation Phase charges continue to apply. **If you elect a systematic distribution option, if amounts are taken from the GAA before the end of a Guaranteed Term, it may have an adverse impact on your Account Value. If you intend to make ongoing withdrawals, you should consult with your investment professional to discuss whether the Contract is appropriate for you.**

**Systematic Distribution Options Currently Available**

These options may be exercised at any time during the Accumulation Phase of the Contract. To exercise one of these options, the Account Value must meet any minimum dollar amount and age criteria applicable to that option. To determine what systematic distribution options are available, please write or call Customer Service.

Systematic distribution options currently available under the Contract include the following:

&nbsp;&nbsp;&nbsp;&nbsp;• **Systematic Withdrawal Option ("SWO")** - SWO is a series of partial withdrawals
from your account based on the payment method selected. It is designed for those who want a periodic income while retaining investment
flexibility for amounts accumulated under the Contract. You may not elect this option if you have an outstanding Contract Loan; and

&nbsp;&nbsp;&nbsp;&nbsp;• **Estate Conservation Option ("ECO")/Recurring RMD Payment ("RRP")** - This
option offers the same investment flexibility as SWO but is designed for those who want to receive only the minimum distribution that
the Tax Code requires each year. Under this option, the Company calculates the minimum distribution amount required by law (generally
at the applicable age (as prescribed by Tax Code Section 401(a)(9)) or retirement, if later) and pays you that amount once a year.

**Other Systematic Distribution Options**

Other systematic distribution options may be available from time to time. Additional information relating to any of the systematic distribution options may be obtained by contacting Customer Service.

**Availability of Systematic Distribution Options**

If not required under the plan, the Company may discontinue the availability of one or all of the systematic distribution options at any time and/or change the terms of future elections.

**Terminating a Systematic Distribution Option**

Once you elect a systematic distribution option, you may revoke it at any time by submitting a written request to Customer Service. Any revocation will apply only to the amount not yet paid. Once revoked, an option may not be elected again until the next calendar year, nor may any other systematic distribution option be elected, unless the Tax Code permits it.

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**Tax Consequences**

Withdrawals received through these options and revocations of elections may have tax consequences. **See "FEDERAL Tax Considerations" in the full Contract prospectus.**

**Loans**

**Availability**

If allowed by the Contract and the plan and subject to the terms and conditions imposed by the plan and the plan's loan agreement, participants may initiate a loan during the Accumulation Phase from their individual Account Value allocated to certain Subaccounts and Fixed Interest Options. The amount available for a loan is limited to the Vested individual Account Value attributable to participant contributions subject to any plan vesting limits as determined by the Contract Holder, plus any additional amounts allowed by the plan as determined by the Contract Holder. Amounts available from some Investment Options may be subject to limitations specified in the loan agreement. **See "LOANS" in the full Contract prospectus for additional information.**

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**ADDITIONAL INFORMATION ABOUT FEES**

**The following tables describe the fees, expenses and adjustments that you will pay when buying, owning, and surrendering or making withdrawals from an Investment Option or the Contract. See "THE INCOME PHASE" for fees that may apply after you begin receiving payment under the Contract. 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.**

**The first table describes the fees and expenses that you may pay *at the time* you buy the Contract, surrender or make withdrawals from the Contract or take a loan from the Contract. State premium taxes may also be deducted.**

**Transaction Expenses**

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| | |
|:---|:---|
| Maximum Early Withdrawal Charge<sup>1</sup><br> *(as a percentage of amount withdrawn, if applicable)* | 5.00% |

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**The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Account Value is removed from the Guaranteed Accumulation Account or from the Contract before the expiration of a specified period.**

***Adjustments***

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| | |
|:---|:---|
| Guaranteed Accumulation Account Maximum Potential Loss Due to Market Value Adjustment (as a percentage of Account Value withdrawn from the Guaranteed Accumulation Account)<sup>2</sup> | 100% |

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<sup>1</sup> This is a deferred sales charge. For single purchase payment contracts, there is no early withdrawal charge. For installment purchase payment contracts, the early withdrawal charge reduces over time and applies to amounts withdrawn from the Fixed Account and to amounts withdrawn from the subaccounts and the Guaranteed Accumulation Account but only if they were attributable to amounts held in the Fixed Account at any time. These fees may be waived, reduced or eliminated in certain circumstances. **See "CHARGES, Fees AND ADJUSTMENTS."**

<sup>2</sup> A Market Value Adjustment ("MVA") will apply to withdrawals or transfers from the Guaranteed Accumulation Account. Withdrawals due to the election of a lifetime income option and Withdrawals due to the death of the participant (if paid within the first six months following death) will be subject to an aggregate MVA only if it is positive. All other withdrawals will be subject to an aggregate MVA, regardless of whether it is positive or negative. For more information, **see "CHARGES, FEES AND ADJUSTMENTS** **- *Contract Adjustments."***

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**Annual Contract Expenses**

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| | |
|:---|:---|
| Base Contract Expenses<sup>1,3</sup><br> *(as a percentage of average Account Value)* | 1.20% |
| Maximum Loan Fees |  |
| Loan Interest Rate Spread (per annum)<sup>2</sup> | 3.00% |
| Annual Loan Administration Fee<sup>3</sup> | &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;&nbsp;&nbsp;&nbsp;&nbsp;$50.00 |

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**The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of the Funds available under the Contract, including their annual expenses, may be found in an appendix to this summary Prospectus. See "APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT."**

**Annual Fund Expenses**

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| | | |
|:---|:---|:---|
| ***Total Annual Fund Operating Expense*** | **Minimum** | **Maximum** |
| Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 2025). | 0.46% | 3.38% |
| &nbsp;&nbsp;&nbsp;Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 2025) **after** any waivers or expense reimbursements<sup>4</sup> | 0.46% | 3.19% |

---

**See "CHARGES, FEES AND ADJUSTMENTS – *Fund Fees and Expenses*" for additional information about the fees and expenses of the Funds, including information about the revenue we may receive from each of the Funds or the Funds' affiliates.**

<sup>1</sup> The "Base Contract Expenses" include (1) the mortality and expense risks charge, equal to 1.00% (0.35% for the Voya Government Money Market Portfolio Subaccount), which 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; and (2) an administrative expense charge currently equal to 0.20% (we reserve the right to deduct an administrative charge up to 0.25%).

<sup>2</sup> This is the difference between the rate charged and the rate credited on loans under your Contract. We reserve the right to assess a Loan Interest Rate Spread between 0.0% and 3.0% per annum. If applied, the Loan Interest Rate Spread is generally 2.5% per annum. **See "LOANS ‒ *Things to Consider Before Initiating a Loan***."

<sup>3</sup> Certain Contracts that have a 0.0% Loan Interest Rate Spread may be subject to an annual loan administration fee. If assessed, the annual loan maintenance fee will apply to each outstanding Plan Loan and be deducted from the vested individual account value. We reserve the right to change the annual fee charged for loan administration, but the fee shall not exceed $50. **See "LOANS ‒ *Things to Consider Before Initiating a Loan***."

<sup>4</sup> Any expense waivers or reimbursements will remain in effect until at least April 30, 2027, and can only be terminated early with approval by the Fund company's board of directors.

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**Examples**

**These examples are intended to help you compare the cost of investing in the Variable Investment Options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses (assuming no loans), annual Contract expenses and annual Fund expenses. They do not reflect any advisory fee paid to an independent investment advisor (if retained by a participant) from a participant's account, and if such charges were reflected, the costs would be higher.**

**The Example assumes all Contract value is allocated to the Variable Investment Options. Your costs could differ from those below if you invest in the Fixed Income Options, including the GAA. The examples do not reflect the Market Value Adjustment you may incur if you remove Contract Value from the GAA prior to the end of a Guarantee Period.**

**The following example assumes that you invest $100,000 in the Variable Investment Options for the time periods indicated. The Example also assumes that your investment has a 5% return each year and assumes the most expensive combination of annual Fund expenses. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Example A: If you withdraw your entire Account Value at the end of the applicable time period:** | **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| **Example A: If you withdraw your entire Account Value at the end of the applicable time period:** | $9657 | $19023 | $27440 | $49241 |
| **Example B: If you do not withdraw your entire Account Value or if you select an income Phase payment option at the end of the applicable time period:**<sup>\*</sup> | **<u>1 Year</u>** | **<u>3 Years</u>** | **<u>5 Years</u>** | **<u>10 Years</u>** |
| **Example B: If you do not withdraw your entire Account Value or if you select an income Phase payment option at the end of the applicable time period:**<sup>\*</sup> | $4639 | $13967 | $23365 | $47166 |

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**<sup>\*</sup>** This example will not apply if during the Income Phase a nonlifetime payment option is elected with variable payments and a lump-sum payment is requested within a certain number of years as specified in the contract. In that case, the lump-sum payment is treated as a withdrawal during the Accumulation Phase. (Refer to Example A.)

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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. Additionally, some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain investment options. For more information, see "OTHER TOPICS – Financial Intermediary Variations" section of this prospectus**. If you have any questions about any limitations, restrictions, or other variations related to the investment options available to you, please reach out to your financial institution or broker-dealer.

 ****

***Variable Options***

**The following is a list of Funds available under the Contract. 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://vpx.broadridge.com/getcontract1.asp?dtype=isp&cid=voyavpx&fid=NRVA00021</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 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.**

**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** | **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** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term capital appreciation. **Alger Responsible Investing Fund (Class A)**<sup>1</sup><br>**Investment Adviser:** Fred Alger Management, LLC | 1.10%<sup>\*</sup> | 15.89% | 11.33% | 14.80% |
| Seeks long-term capital appreciation. **Allspring Small Company Growth Fund (Class I)<sup>\*\*</sup>**<sup>,2</sup><br>**Investment Adviser:** Allspring Funds Management, LLC<br>**Subadviser:** Peregrine Capital Management, LLC | 0.94%<sup>\*</sup> | 8.53% | 3.93% | 9.47% |
| Seeks long-term capital appreciation. **Allspring Special Small Cap Value Fund**<br> **(Class A)<sup>\*\*</sup>**<sup>,2</sup><br>**Investment Adviser:** Allspring Funds Management, LLC<br>**Subadvisers:** Allspring Capital Management Incorporated and Allspring Global Investments (UK) Limited | 1.24% | -3.10% | 6.14% | 7.98% |

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective on the close of business on September 12, 2025, all Administrator Class shares of the Fund converted to Institutional Class shares of the same 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" in the prospectus for the Contract for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.** |
| <sup>2</sup> | This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. **See "THE INVESTMENT OPTIONS – *The Variable Investment Options*** **- Funds of Funds" for more information.** |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term capital growth, consistent with Islamic principles. | **Amana Growth Fund (Investor Shares)**<sup>1</sup><br>**Investment Adviser:** Saturna Capital Corporation | 0.86%<sup>\*\*</sup> | 15.75%<sup>\*\*\*</sup> | 15.42%<sup>\*\*</sup> | 14.46%<sup>\*\*\*</sup> |
| Seeks current income and preservation of capital, consistent with Islamic principles. Current income is the Fund's primary objective. | **Amana Income Fund (Investor Class)**<sup>1</sup><br>**Investment Adviser:** Saturna Capital Corporation | 1.01%<sup>\*\*</sup> | 12.88%<sup>\*\*</sup> | 10.31%<sup>\*\*</sup> | 9.62%<sup>\*\*</sup> |
| Seeks long-term capital appreciation and current income. | **American Beacon Small Cap Value Fund (Investor Class)**<br>**Investment Adviser:** American Beacon Advisors, Inc.<br>**Subadvisers:** Barrow, Hanley, Mewhinney & Strauss, LLC; DePrince, Race & Zollo, Inc.; Hotchkis and Wiley Capital Management, LLC; Brandywine Global Investment Management, LLC; Newton Investment Management North America, LLC | 1.16% | 4.43% | 8.83% | 8.42% |
| Seeks long-term capital growth by investing in common stocks. Income is a secondary objective. | **American Century Investments<sup>®</sup> Disciplined Core Value Fund**<br> **(Class A<sup>)\*\*\*</sup>**<sup>1,</sup><br>**Investment Adviser:** American Century Investment Management, Inc. | 0.90% | 14.62% | 8.54% | 10.17% |

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | This information is being provided based on the fund's most recent prospectus filing. |
| <sup>\*\*\*</sup> | Effective March 10, 2026, the American Century Investments<sup>®</sup> Disciplined Core Value Fund (Class A) changed its name to the American Century Investments<sup>®</sup> Disciplined Value Fund (Class A). |
| <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" in the prospectus for the Contract 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** | **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** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide total return and inflation protection consistent with investment in inflation-indexed securities. **American Century Investments<sup>®</sup> Inflation-Adjusted Bond Fund (Investor Class)**<sup>1</sup><br>**Investment Adviser:** American Century Investment Management, Inc. | 0.54% | 6.67% | 0.84% | 2.70% |
| Seeks to provide long-term growth of capital. **American Funds<sup>®</sup> – EUPAC Fund<sup>®</sup>**<br> **(Class R4)<sup>\*\*,</sup>**<sup>1</sup><br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 0.82% | 28.71% | 4.22% | 8.08% |
| Seeks to provide long-term growth of capital. However, future income will remain a consideration in the management of the Fund. **American Funds<sup>®</sup> – New Perspective Fund<sup>®</sup> (Class R4)**<br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 0.75% | 21.20% | 8.99% | 12.65% |
| Seeks to provide long-term growth of capital. **American Funds<sup>®</sup> – SMALLCAP World Fund<sup>®</sup> (Class R4**)<br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 1.00% | 14.04% | 1.42% | 8.86% |
| Seeks to provide as high a level of current income as is consistent with the preservation of capital. **American Funds<sup>®</sup> – The Bond Fund of America<sup>®</sup> (Class R4**)<sup>\*\*\*</sup><br> <sup></sup> Investment Adviser: Capital Research and Management Company<sup>SM</sup> | 0.58%<sup>\*</sup> | 7.16% | -0.36% | 2.21% |
| Seeks to provide growth of capital. **American Funds<sup>®</sup> – The Growth Fund of America<sup>®</sup> (Class R4)**<sup>1</sup><br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup><br>| 0.63% | 19.88% | 11.76% | 15.11% |

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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) will change its name to the American Funds<sup>®</sup> EUPAC Fund<sup>®</sup> (Class R4). |
| <sup>\*\*\*</sup> | Effective May 1, 2026, the Fund was added to the contract. |
| <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" in the prospectus for the Contract 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 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing. | **American Funds<sup>®</sup> – Washington Mutual Investors Fund<sup>SM</sup>**<br> **(Class R4)**<sup>1</sup><br>**Investment Adviser:** Capital Research and Management Company<sup>SM</sup> | 0.75%<sup>\*</sup> | 16.90% | 13.60% | 12.08% |
| Seeks long-term capital appreciation. | **Ariel Fund**<br> **(Investor Class)<sup>\*\*</sup>**<br>Investment Adviser: Ariel Investments, LLC | 1.01% | 14.15% | 9.36% | 9.51% |
| Seeks long-term growth of capital. | **BlackRock Health Sciences Opportunities Portfolio (Institutional Shares)**<sup>4</sup><br>**Investment Adviser:** BlackRock Advisors, LLC | 0.84% | 16.26% | 5.85% | 9.82% |
| Seeks capital appreciation and, secondarily, income, by investing in securities, primarily equity securities that Fund management believes are undervalued and therefore represent an investment value. | **BlackRock Mid Cap Value Fund (Investor A)**<sup>1</sup><br>**Investment Adviser:** BlackRock Advisors, LLC | 1.00%<sup>\*</sup> | 13.43% | 10.91% | 10.75% |
| Seeks to provide a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity. | **Calvert VP SRI Balanced Portfolio (Class I)**<br>**Investment Adviser:** Calvert Research and Management | 0.65% | 11.48% | 8.68% | 9.81% |
| The investment objective of the Fund is total return through investment in real estate securities. | **Cohen & Steers Real Estate Securities Fund, Inc. (Class A)**<sup>1</sup><br>**Investment Adviser:** Cohen & Steers Capital Management, Inc. | 1.10% | 4.00% | 5.40% | 6.36% |
| Seeks long-term capital appreciation. | **Columbia Variable Portfolio** – **Acorn Fund**<br>**Investment Adviser:** Columbia Management Investment Advisers, 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 May 1, 2026, the Fund was added to the contract. |
| <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 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seek total return consisting of capital appreciation and current income. | **Dimensional VA Global Moderate Allocation Portfolio (Institutional Shares)<sup>\*\*</sup>**<br>**Investment Adviser:** Dimensional Fund Advisors LP | 0.28%<sup>\*</sup><sup>\*</sup> | 14.68% | 8.42% | 8.65% |
| Seeks to obtain high total return with reduced risk over the long term by allocating its assets among stocks, bonds, and short-term instruments. | **Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio**<br> **(Initial Class)<sup>\*\*</sup>**<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 | 0.51%<sup>\*</sup> | 14.98% | 5.67% | 7.13% |
| Seeks long-term capital appreciation. | **Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio (Initial Class)**<br>**Investment Adviser:** Fidelity Management & Research Company LLC<br>**Subadvisers:** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited | 0.54% | 21.52% | 15.37% | 15.78% |
| 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 Portfolio<sup>SM</sup>**<br> **(Initial Class)**<br>**Investment Adviser:** Fidelity Management & Research Company LLC<br>**Subadvisers:** FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited | 0.46% | 19.02% | 12.51% | 11.60% |

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| |
|:---|
| <sup>\*</sup> |
| \*\* Effective on or about May 15, 2026, the Voya Global Perspectives<sup>®</sup> Portfolio (Class I) is liquidating and will be replaced by the Dimensional VA Global Moderate Allocation Portfolio (Institutional Class). |
| <sup>\*\*\*</sup> Effective May 1, 2025, the Fidelity<sup>®</sup> VIP Asset Manager Portfolio (Initial Class) changed its name to the Fidelity<sup>®</sup> VIP Asset Manager 50% Portfolio (Initial Class). |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks a high level of current income, while also considering growth of capital. | **Fidelity<sup>®</sup> VIP High Income 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 | 0.81%<sup>\*</sup> | 10.36% | 4.22% | 5.59% |
| Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500<sup>®</sup> Index. | **Fidelity<sup>®</sup> VIP Index 500 Portfolio (Initial Class)**<br>**Investment Adviser:** Fidelity Management & Research Company LLC ("FMR")<br>**Subadvisers:** Geode Capital Management, LLC | 0.09% | 17.78% | 14.31% | 14.70% |
| Seeks long-term growth of capital. | **Fidelity<sup>®</sup> VIP Overseas 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, Fidelity Management & Research (Japan) Limited, FIL Investment Advisors, FIL Investment Advisors (UK) and FIL Investments (Japan) Limited | 0.72% | 20.39% | 6.62% | 7.93% |

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<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term total return. Under normal market conditions, the Fund invests at least 80% of its net assets in investments of small-capitalization companies. | **Franklin Small Cap Value VIP Fund (Class 2)**<sup>1</sup><br>**Investment Adviser:** Franklin Mutual Advisers, LLC | 0.91%<sup>\*</sup> | 7.65% | 8.86% | 9.81% |
| Seeks income and conservation of principal and secondarily long-term growth of capital. | **Impax Sustainable Allocation Fund**<br> **(Investor Class)**<sup>2</sup><br>**Investment Adviser:** Impax Asset Management LLC | 0.93% | 10.86% | 5.38% | 7.68% |
| Seeks capital appreciation. | **Invesco Developing Markets Fund (Class A)**<sup>2,3</sup><br>**Investment Adviser:** Invesco Advisers, Inc. | 1.30% | 21.27% | -1.65% | 5.40% |
| Seeks long-term growth of capital. | **Invesco EQV International Equity Fund (Class R5)**<sup>2</sup><br>**Investment Adviser:** Invesco Advisers, Inc. | 0.93% | 16.31% | 3.62% | 6.14% |
| Seeks capital appreciation. | **Invesco Main Street Fund<sup>®</sup> (Class A)**<sup>1</sup><br> **** <br> **Investment Adviser:** Invesco Advisers, Inc. | 0.79% | 9.55% | 12.44% | 12.50% |
| Seeks capital appreciation. | **Invesco Main Street Mid Cap Fund<sup>®</sup> (Class A)**<sup>2</sup><br>**Investment Adviser:** Invesco Advisers, Inc. | 1.04% | 8.92% | 8.99% | 9.73% |
| A *non-diversified* Fund that seeks capital growth. | **Invesco V.I. American Franchise Fund (Series I)**<br>**Investment Adviser:** Invesco Advisers, Inc. | 0.85% | 11.67% | 10.35% | 14.87% |
| Seeks long-term growth of capital. | **Invesco V.I. Core Equity Fund (Series I)**<br>**Investment Adviser:** Invesco Advisers, Inc. | 0.80% | 16.17% | 12.81% | 11.73% |

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<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>1</sup> Effective June 20, 2021, the Franklin Small Cap Value VIP Fund closed to new investment by new investors.

<sup>2</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.**

<sup>3</sup> The Invesco Developing Markets Fund is only available to plans offering the Fund prior to April 12, 2013.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks total return through growth of capital and current income. | **Invesco Value Opportunities Fund**<br> **(Class R5)**<sup>1</sup><br>**Investment Adviser:** Invesco Advisers, Inc. | 0.74%<sup>\*\*</sup> | 30.44%<sup>\*\*</sup> | 17.17%<sup>\*\*</sup> | 11.26%<sup>\*\*</sup> |
| Seeks capital appreciation and current income. | **JPMorgan Equity Income Fund (Class I)**<sup>1</sup><br>**Investment Adviser:** J.P. Morgan Investment Management Inc. | 0.70% | 14.59% | 10.65% | 10.84% |
| Seeks a high level of current income with liquidity and safety of principal. | **JPMorgan Government Bond Fund (Class I)**<sup>1</sup><br>**Investment Adviser:** J.P. Morgan Investment Management Inc. | 0.45%<sup>\*</sup> | 6.98% | -0.49% | 1.54% |
| Seeks long-term capital appreciation. | **Lazard International Equity Portfolio**<br> **(Open Shares)**<sup>1</sup><br>**Investment Adviser:** Lazard Asset Management LLC | 1.10%<sup>\*</sup> | 33.12% | 7.95% | 6.82% |
| Seeks high current return consistent with preservation of capital. | **Loomis Sayles Limited Term Government and Agency Fund (Class Y)**<sup>1</sup><br>**Investment Adviser:** Loomis, Sayles & Company, L.P. | 0.45%<sup>\*</sup> | 5.62% | 1.80% | 1.93% |
| 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)**<br>**Investment Adviser:** Lord, Abbett & Co. LLC | 1.15% | 7.05% | 10.16% | 7.98% |
| Seeks long-term growth of capital and income. | **Nuveen Global Infrastructure Fund (Class I)**<sup>1</sup><br>**Investment Adviser:** Nuveen Fund Advisors, LLC<br>**Subadviser:** Nuveen Asset Management, LLC | 0.96%<sup>\*,\*\*</sup> | 10.94%<sup>\*\*</sup> | 4.87%<sup>\*\*</sup> | 6.23%<sup>\*\*</sup> |

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | This information is being provided based on the fund's most recent prospectus filing. |
| <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 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to achieve both capital appreciation and current income. | **Parnassus Core Equity Fund** **℠ (Investor Shares)<sup>1</sup>**<br>**Investment Adviser:** Parnassus Investments | 0.81% | 11.64% | 11.41% | 13.32% |
| Seeks maximum real return, consistent with prudent investment management. | **PIMCO CommodityRealReturn Strategy Fund<sup>®</sup> (Admin Class)**<sup>1</sup><br>**Investment Adviser:** Pacific Investment Management Company LLC | 3.19%<sup>\*</sup> | 18.79% | 10.55% | 6.54% |
| Seeks maximum real return, consistent with preservation of real capital and prudent investment management. | **PIMCO VIT Real Return Portfolio (Administrative Class)**<sup>1</sup><br>**Investment Adviser:** Pacific Investment Management Company LLC | 1.39% | 7.85% | 1.21% | 3.21% |
| Seeks to maximize current income and achieve above average total return consistent with prudent investment management over a full market cycle. | **TCW Securitized Bond Fund (Class N)**<sup>1</sup><br>**Investment Adviser:** TCW Investment Management Company | 0.70%<sup>\*</sup> | 8.71% | -0.97% | 1.45% |
| Seeks current income with capital appreciation and growth of income. | **Templeton Global Bond Fund (Class A)**<sup>1</sup><br>**Investment Adviser:** Franklin Advisers, Inc. | 1.02%<sup>\*</sup> | 12.40% | -2.02% | -0.45% |
| Seeks long-term capital growth. | **Victory Pioneer Global Equity Fund**<br> **(Class A)<sup>\*\*</sup>**<br>**Investment Adviser:** Victory Capital Management | 1.10%<sup>\*</sup> | 41.08% | 15.40% | 12.75% |
| Seeks current income and long-term growth of capital from a portfolio consisting primarily of income producing equity securities of U.S. corporations. | **Victory Pioneer Equity Income Fund (Class Y)<sup>\*\*,</sup>** <sup>1</sup><br>**Investment Adviser:** Victory Capital Management<br>| 0.80%<sup>\*</sup> | 11.38% | 9.11% | 9.36% |

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|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective May 1, 2026, the Fund was added to the contract. |
| <sup>\*\*\*</sup> | Effective March 31, 2025, the Pioneer Equity Income Fund (Class Y) changed its name to the Victory Pioneer Equity Income Fund (Class Y). |
| <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 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| A *non-diversified* Fund that seeks long-term capital appreciation and to protect the purchasing power of your capital against inflation. | **Victory Precious Metals and Minerals Fund**<br> **(Class A)**<sup>1</sup><br>**Investment Adviser:** Victory Capital Management Inc. | 1.14% | 10.76% | 3.34% | 5.71% |
| Seeks to provide long-term capital growth by investing primarily in common stocks. | **Victory Sycamore Established Value Fund (Class A)<sup>\*\*,</sup>**<sup>1</sup><br>**Investment Adviser:** Victory Capital Management Inc. | 0.89% | 2.33% | 9.57% | 10.60% |
| Seeks to maximize income while maintaining prospects for capital appreciation. | **Voya Balanced Income Portfolio (Class I)<sup>\*\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.58%<sup>\*</sup> | 11.96% | 5.92% | 7.16% |
| Seeks to outperform the S&P 500<sup>®</sup> Index. | **Voya Corporate Leaders Fund (Class I)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.49%<sup>\*</sup> | 17.80% | 13.58% | 12.96% |
| 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> | 8.80% | -2.30% | 1.82% |

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|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | The Victory Sycamore Established Value Fund is closed to new investors. The Fund will continue to be available for investment by existing investors and through retirement plan that currently offer the Fund. |
| <sup>\*\*\*</sup> | Effective July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya Balanced Income 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 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 ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to maximize total returns and maintain lower volatility relative to the overall market. | **Voya Global High Dividend Low Volatility Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.85%<sup>\*</sup> | 18.73% | 10.25% | 8.78% |
| Seeks capital appreciation. | **Voya Global Insights Portfolio (Class I<sup>)</sup>**<sup>\*\*,1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.81%<sup>\*</sup> | 24.31% | 7.21% | 10.97% |
| Seeks total return. | **Voya Global Perspectives<sup>®</sup> Portfolio (Class I)**<sup>\*\*\*,1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.85%<sup>\*</sup> | 14.23% | 3.46% | 6.38% |
| Seeks a high level of current income consistent with liquidity and safety of principal through investment primarily in Government National Mortgage Association ("GNMA") mortgage-backed securities (also known as GNMA Certificates) that are guaranteed as to the timely payment of principal and interest by the U.S. government. | **Voya GNMA Income Fund (Class A)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br>0.54%<sup>\*</sup> | 7.36% | 0.23% | 1.14% |

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|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective on or about July 17, 2026, the Voya Global Insights Portfolio (Class I) will change its name to the Voya Global Insights Fund (Class I). |
| <sup>\*\*\*</sup> | Effective on or about May 15, 2026, the Voya Global Perspectives<sup>®</sup> Portfolio (Class I) is liquidating and will be replaced by the Dimensional VA Global Moderate Allocation Portfolio (Institutional Class). |
| <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 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **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>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.40%<sup>\*</sup> | 4.02% | 3.02% | 1.96% |
| 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)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br>| 0.67%<sup>\*</sup> | 18.21% | 15.46% | 14.62% |
| Seeks to provide Investors with a high level of current income and total return. | **Voya High Yield Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.50% | 8.80% | 3.92% | 5.82% |
| 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)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.55%<sup>\*</sup> | 15.20% | 13.73% | 13.90% |
| 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> | 8.16% | 9.90% | 9.75% |

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. <br> <sup>1</sup> There is no guarantee that the Voya Government Money Market Portfolio Subaccount will have a positive or level return.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| 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)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.60%<sup>\*</sup> | 8.27% | 8.97% | 9.23% |
| 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 | 0.55%<sup>\*</sup> | 7.71% | 0.15% | 2.66% |
| Seeks maximum total return. | **Voya International High Dividend Low Volatility Portfolio (Class I)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.76% | 37.60% | 11.59% | 7.83% |
| Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of a widely accepted international index. | **Voya International Index Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.45%<sup>\*</sup> | 30.89% | 8.50% | 7.91% |
| A *non-diversified* Portfolio 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> | 0.67%<sup>\*</sup> | 15.33% | 12.23% | 15.19% |

---

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective November 21, 2025, the VY<sup>®</sup> T. Rowe Price Growth Equity Portfolio (Class I) merged into the Voya Large Cap Growth Portfolio (Class I). |
| <sup>\*\*\*</sup> | Effective on or about October 27, 2025, T. Rowe Price Associates Inc. was added as a sub-adviser to the Voya Large Cap Growth Portfolio. |
| <sup>1</sup> | This Fund employs a managed volatility strategy. **See "THE INVESTMENT OPTIONS – *The Variable Investment Options*** **- Funds with Managed Volatility Strategies" for more information.** |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT 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 ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term growth of capital and current income. | **Voya Large Cap Value Fund (Class I)**<sup>\*\*,\*\*\*</sup><br>**Investment Adviser**: Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.76%<sup>\*</sup> | 13.05% | 12.94% | 11.22% |
| 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> | 3.90% | 4.55% | 10.97% |
| Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200<sup>®</sup> Growth Index. | **Voya Russell<sup>TM</sup> Large Cap Growth Index Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.43%<sup>\*</sup> | 18.12% | 16.24% | 18.65% |
| Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap<sup>®</sup> Growth Index. | **Voya Russell<sup>TM</sup> Mid Cap Index Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.40%<sup>\*</sup> | 10.08% | 8.26% | 10.59% |
| Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell 2000<sup>®</sup> Index. | **Voya Russell<sup>TM</sup> Small Cap Index Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.43%<sup>\*</sup> | 12.51% | 5.75% | 9.29% |

---

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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 no longer available to new investments. |
| <sup>\*\*\*</sup> | Effective February 6, 2026, the Voya Large Cap Value Portfolio (Class I) merged into the Voya Large Cap Value Fund (Class I). |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks a high level of current income with lower volatility than the broader high yield market. | **Voya Short Duration High Income Fund (Class A)<sup>\*\*</sup>**<br> **<br> Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.83% | 0.74% | N/A | N/A |
| 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)<sup>\*\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.87%<sup>\*</sup> | 8.59% | 6.26% | 8.39% |
| Seeks long-term capital appreciation. | **Voya SmallCap Opportunities Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.92%<sup>\*</sup> | 14.80% | 5.85% | 9.11% |
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2030. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. | **Voya Solution 2030 Portfolio (Class I)**<sup>1,2</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC | 0.72%<sup>\*</sup> | 14.54% | 6.39% | 8.21% |

---

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective August 8, 2025, the Voya Floating Rate Fund (Class A) merged into the Voya Short Duration High Income Fund (Class A). |
| <sup>\*\*\*</sup> | This Fund is no longer available to new investments. |
| <sup>1</sup> | This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. **See "THE INVESTMENT OPTIONS – *The Variable Investment Options*** **- Funds of Funds" for more information.** |
| <sup>2</sup> | This fund is currently available under your variable annuity contract. If this fund has not been added to your plan by September 1, 2021, the fund will automatically be made available to your plan on or about November 12, 2021. |

---

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| | | | |
|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **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** | **1 Year** | **5 Years** | **10 Years** |
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. **Voya Solution 2035 Portfolio (Class I)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.73%<sup>\*</sup> | 16.37% | 7.49% | 8.96% |
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2040. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. **Voya Solution 2040 Portfolio (Class I)**<sup>1,2</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.73%<sup>\*</sup> | 18.23% | 8.60% | 9.86% |
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. **Voya Solution 2045 Portfolio (Class I)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.75%<sup>\*</sup> | 19.48% | 9.35% | 10.19% |

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>1</sup> This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. **See "THE INVESTMENT OPTIONS – *The Variable Investment Options*** **- Funds of Funds" for more information.**

<sup>2</sup> This Fund is currently available under your variable annuity contract. If this Fund has not been added to your plan by September 1, 2021, the Fund will automatically be made available to your plan on or about November 12, 2021.

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| | | | |
|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **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** | **1 Year** | **5 Years** | **10 Years** |
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2050. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. **Voya Solution 2050 Portfolio (Class I)**<sup>1,2</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.76%<sup>\*</sup> | 19.90% | 9.56% | 10.34% |
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. **Voya Solution 2055 Portfolio (Class I)**<sup>1,2</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.78%<sup>\*</sup> | 19.92% | 9.60% | 10.36% |
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2060. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.<br>**Voya Solution 2060 Portfolio (Class I)**<sup>1,2</sup><br> **Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.78%<sup>\*</sup> | 19.95% | 9.57% | 10.34% |

---

<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

<sup>1</sup> This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. **See "THE INVESTMENT OPTIONS – *The Variable Investment Options*** **- Funds of Funds" for more information.**

<sup>2</sup> This Fund is currently available under your variable annuity contract. If this Fund has not been added to your plan by September 1, 2021, the Fund will automatically be made available to your plan on or about November 12, 2021.

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| | | | |
|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **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** | **1 Year** | **5 Years** | **10 Years** |
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2065. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. **Voya Solution 2065 Portfolio (Class I)**<sup>1,2</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.78%<sup>\*</sup> | 20.01% | 9.66% | N/A |
| Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2070. On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. **Voya Solution 2070 Portfolio (Class I)<sup>\*\*</sup>**<br> **<br> Investment Adviser:** Voya Investments, LLC**<br>Subadviser:** Voya Investment Management Co. LLC **<br>** <br>0.78%<sup>\*</sup> | N/A | N/A | N/A |
| Seeks growth of capital. **Voya Solution Aggressive Portfolio (Class I)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.77%<sup>\*</sup> | 16.87% | 9.89% | 10.55% |
| Seeks to provide capital growth through a diversified asset allocation strategy. **Voya Solution Balanced Portfolio (Class I)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.75%<sup>\*</sup> | 13.05% | 6.84% | 8.04% |

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | The fund is available for investment on August 11, 2025. |
| <sup>1</sup> | This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. **See "THE INVESTMENT OPTIONS – *The Variable Investment Options*** **- Funds of Funds" for more information.** |
| <sup>2</sup> | This fund is currently available under your variable annuity contract. If this fund has not been added to your plan by September 1, 2021, the fund will automatically be made available to your plan on or about November 12, 2021. |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT 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 ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. | **Voya Solution Conservative Portfolio (Class I)**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.66%<sup>\*</sup> | 8.33% | 2.97% | 4.77% |
| Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. | **Voya Solution Income Portfolio (Class I)<sup>\*\*,</sup>**<sup>1</sup><br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Voya Investment Management Co. LLC<br> 0.68%<sup>\*</sup> | 11.23% | 3.60% | 5.42% |
| Seeks long-term capital growth. Income is a secondary objective. | **VY<sup>®</sup> American Century Small-Mid Cap Value Portfolio (Class I)<br>Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** American Century Investment Management, Inc. 0.85%<sup>\*</sup> | 5.33% | 8.46% | 9.28% |
| Seeks capital appreciation. | **VY<sup>®</sup> Baron Growth Portfolio (Class S)<sup>\*\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** BAMCO, Inc.<br> 1.25%<sup>\*</sup> | -10.94% | -0.34% | 9.17% |
| Seeks high total return consisting of capital appreciation and current income. | **VY<sup>®</sup> CBRE Global Real Estate Portfolio**<br> **(Class I)<sup>\*\*\*\*</sup>**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** CBRE Investment Management Listed Real Assets, LLC<br> 0.91%<sup>\*</sup> | 6.82% | 4.03% | 3.99% |

---

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| | |
|:---|:---|
| <sup>\*</sup> | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective August 8, 2025, Voya Solution 2025 Portfolio (Class I) merged into the Voya Solution Income Portfolio (Class I). |
| <sup>\*\*\*</sup> | Effective on or about July 17, 2026, the VY<sup>®</sup> Baron Growth Portfolio (Service Class) will merge into the Voya MidCap Opportunities Fund (Initial Class). |
| <sup>\*\*\*\*</sup> | Effective on or about July 17, 2026, the VY<sup>®</sup> CBRE Global Real Estate Portfolio (Class I) will merge into the VY<sup>®</sup> Columbia Real Estate Portfolio (Class I). |
| <sup>1</sup> | This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. **See "THE INVESTMENT OPTIONS – *The Variable Investment Options*** **- Funds of Funds" for more information.** |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT 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 ADVISER/SUBADVISER** | **CURRENT EXPENSES** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term growth of capital. | **VY<sup>®</sup> Columbia Small Cap Value and Inflection Portfolio (Service Class)<sup>\*\*,\*\*\*</sup>**<br> **<br> Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Columbia Management Investment Advisers, LLC | 1.18%<sup>\*</sup> | 8.04% | 9.60% | 8.92% |
| Seeks capital growth and income. | **VY<sup>®</sup> Invesco Comstock Portfolio (Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Invesco Advisers, Inc. | 0.97%<sup>\*</sup> | 17.02% | 14.95% | 11.75% |
| Seeks total return consisting of long-term capital appreciation and current income. | **VY<sup>®</sup> Invesco Equity and Income Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** Invesco Advisers, Inc. | 0.64%<sup>\*</sup> | 12.80% | 8.82% | 8.86% |
| Seeks capital appreciation. | **VY<sup>®</sup> JPMorgan Emerging Markets Equity Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** J.P. Morgan Investment Management Inc. | 1.19%<sup>\*</sup> | 39.06% | 0.29% | 9.27% |
| Seeks growth from capital appreciation. | **VY<sup>®</sup> JPMorgan Mid Cap Value Portfolio (Class I)<br>Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** J.P. Morgan Investment Management Inc. | 0.85%<sup>\*</sup> | 4.63% | 9.53% | 8.75% |
| 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**<br> **(Class S)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** T. Rowe Price Associates, Inc. | 0.90% | 12.02% | 9.22% | 11.04% |

---

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| | |
|:---|:---|
| \* | Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus. |
| <sup>\*\*</sup> | Effective May 1, 2026, the VY<sup>®</sup> Columbia Small Cap Value II Portfolio changed its name to the VY<sup>®</sup> Columbia Small Cap Value and Inflection Portfolio. |
| <sup>\*\*\*</sup> | Effective May 1, 2026, the Fund was added to the contract. |

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| | | | | |
|:---|:---|:---|:---|:---|
| **INVESTMENT OBJECTIVE** | **FUND NAME**<br> **INVESTMENT 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 ADVISER/SUBADVISER** | **1 Year** | **5 Years** | **10 Years** |
| Seeks long-term capital appreciation. | **VY<sup>®</sup> T. Rowe Price Diversified Mid Cap Growth Portfolio (Class I)**<br>**Investment Adviser:** Voya Investments, LLC<br>**Subadviser:** T. Rowe Price Associates, Inc.<br> 0.80%<sup>\*</sup> | 9.92% | 7.24% | 12.78% |

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<sup>\*</sup> Current expenses reflect applicable waivers or expense limitations as reported in the Fund's prospectus.

***Fixed Interest Options***

**The following is a list of Fixed Interest Options currently available under the Contract. 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<sup>\*</sup>** | **Minimum Guaranteed Interest Rate<sup>\*\*\*</sup>** |
| Guaranteed Accumulation Account | 1 month to 10 years | 0.25% |
| The Fixed Account | N/A | 3.00% |

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<sup>\*\*</sup> The terms available under your plan may vary. <br> <sup>\*\*\*</sup> The minimum guaranteed interest rate for your Contract is stated in your Contract, and will not be less than stated.

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This summary Prospectus incorporates by reference the full Opportunity Plus Contract prospectus and Statement of Additional Information ("SAI"), each dated May 1, 2026, as amended or supplemented. You can find these documents online at <u>https://vpx.broadridge.com/getcontract1.asp?doctype=pros&dtype=isp&cid=voyavpx&fid=NRVA00021</u> for the Contract prospectus and <u>https://vpx.broadridge.com/getcontract1.asp?doctype=sai&dtype=isp&cid=voyavpx&fid=NRVA00021</u> for the SAI. You can also obtain these documents at no cost by calling Customer Service at 1-800-584-6001 or by sending an email request to <u>ProspectusRequests@voya.com</u>.

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

EDGAR Contract Identifiers: <u>C000002957</u> <br> <u>C000271710</u>

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