Voya Retirement Account Statement 2025

--- ## Page 1 Voya Financial PO Box 990070 Hartford, CT 06199-0070 004481 3696192 000 01 001 JOHAN JONGSMA 851 BRIGHTWATERS BLVD NE SAINT PETERSBURG FL 33704-3719 ### At Your Service - www.voyaretirementplans.com - 1-800-584-6001 - TTY: 711 Automated Voice Response System available 24/7 Representatives are available Monday thru Friday, 8:00 a.m. - 9:00 p.m. ET January 01, 2025 - December 31, 2025 | **Your Account Balance as of December 31, 2025** | **ACCOUNT STATEMENT** | |:---|:---| | $57,260.39 | | ### Your Account Summary | | | |:---|---:| | Account Balance on 01/01/2025 | $56,433.95 | | Your Contributions | $0.00 | | Withdrawals | -$20.00 | | Investment Earnings | $846.44 | | **Account Balance on 12/31/2025** | **$57,260.39** | Paperless. It's easy to choose and simple to use. Sign up and you'll get: - an email notifying you of available documents - instant access to your document on our secure website instead of waiting for a paper copy via U.S. mail S-RSTM-0001 Page 1 of 4 PLAN | INVEST | PROTECT VOYA. FINANCIAL C4401 3696192 011792 058383 000 00004 00165471202512311H99000PART --- ## Page 2 January 01, 2025 - December 31, 2025 **Voya Financial** PO Box 990070 Hartford, CT 06199-0070 **JOHAN JONGSMA** ### Your Estimated Monthly Income in Retirement The Estimated Monthly Income in Retirement below is designed to provide a better understanding of what you might expect in retirement. Based on your current retirement statement account balance and the assumptions noted below, a monthly lifetime retirement income has been **estimated** as both a single life annuity arrangement and a qualified joint and 100% survivor annuity arrangement. | | | |:---|---:| | **Account Balance** (including any outstanding loan balance(s)¹ that is not in default) as of 12/31/2025 | $57,260.39 | | **Single Life Annuity²** monthly payment at age 67 for your life | $364.74 | | **Qualified Joint and 100% Survivor Annuity³** monthly payment at age 67 for your life and for the life of your surviving spouse | $312.06 | The estimated monthly payments in this statement assume that payments begin 12/31/2025 and that you are 67 on this date. Monthly payments beginning at a younger age would be lower than shown since payments would be made over more years. Monthly payments beginning at an older age would be higher than shown since they would be made over fewer years. ¹If you have taken a loan from the plan and are not in default on the loan, the estimated monthly payments in this statement assume that the loan has been fully repaid. ²A single life annuity is an arrangement that pays you a fixed amount of money each month for the rest of your life. Following your death, no further payments would be made to your spouse or heirs. ³A qualified joint and 100% survivor annuity is an arrangement that pays you and your spouse a fixed monthly payment for the rest of your joint lives. In addition, after your death, this type of annuity would continue to provide the same fixed monthly payment to your surviving spouse for their life. An annuity with a lower survivor percentage may be available, and reducing the survivor percentage (below 100%) would increase monthly payments during your lifetime, but would decrease what your surviving spouse would receive after your death. The estimated monthly payments for a qualified joint and 100% survivor annuity in this statement assume that you are married with a spouse who is the same age as you (even if you do not currently have a spouse, or if you have a spouse who is a different age). If your spouse is younger, monthly payments would be lower than shown since they would be expected to be paid over more years. If your spouse is older, monthly payments would be higher than shown since they would be expected to be paid over fewer years. The estimated monthly payments in this statement are based on an interest rate of 4.13%, which is the 10-year constant maturity U.S. Treasury securities yield rate as of 11/03/2025 as required by federal regulations. This rate fluctuates based on market conditions. The lower the interest rate, the smaller your monthly payment will be, and the higher the interest rate, the larger your monthly payment will be. The estimated monthly payments in this statement are based on how long you and a spouse who is assumed to be your age are expected to live. For this purpose, federal regulations require that your life expectancy be estimated using gender neutral mortality assumptions established by the Internal Revenue Service. The estimated monthly payments in this statement are for illustrative purposes only; they are not a guarantee. The estimated monthly payments in this statement are based on prevailing market conditions and other assumptions required under federal regulations. If you decide to purchase an annuity, the actual payments you receive will depend on a number of factors and may vary substantially from the estimated monthly payments in this statement. For example, your actual age at retirement, your actual account balance (reflecting future investment gains and losses, contributions, distributions, and fees), and the market conditions at the time of purchase will affect your actual payment amounts. The estimated monthly payments in this statement are the same whether you are male or female. This is required for annuities payable from an employer's plan. However, the same amount paid for an annuity available outside of an employer's plan may provide a larger monthly payment for males than for females since females are expected to live longer. Unlike Social Security payments, the estimated monthly payments in this statement do not increase each year with a cost-of-living adjustment. Therefore, as prices increase over time, the fixed monthly payments will buy fewer goods and services. The estimated monthly payment amounts in this statement assume that your account balance is 100% vested. --- S-RSTM-0001 Page 2 of 4 **PLAN | INVEST | PROTECT** **VOYA.** FINANCIAL --- ## Page 3 January 01, 2025 - December 31, 2025 Voya Financial PO Box 990070 Hartford, CT 06199-0070 JOHAN JONGSMA ### Important Tax Information **Fair Market Value as of 12/31/2025** $57,260.39 The "Fair Market Value" is your account balance. As required by law, this information is being furnished to the IRS. ### Activity Statement for Your 408(a) Plan IH9900 **Your Current Investment Portfolio for Plan IH9900** | Investment Objective | Balance on 01/01/2025 | Total Activity | Investment Earnings | Balance on 12/31/2025 | Number of Units/Shares | Unit/Share Price | |---|---|---|---|---|---|---| | **Stability of Principal** | | | | | | | | Voya Fixed Account | $56,433.95 | -$20.00 | $846.44 | $57,260.39 | N/A | N/A | | **Total** | $56,433.95 | -$20.00 | $846.44 | $57,260.39 | | | Unit/Share prices are displayed to four decimal places. ### Activity by Source of Contributions for Plan IH9900 | Investment Objective | Balance on 01/01/2025 | Contributions | Withdrawals | Investment Earnings | Balance on 12/31/2025 | |---|---|---|---|---|---| | Rollover Rollover | $56,433.95 | $0.00 | -$20.00 | $846.44 | $57,260.39 | | **Total** | $56,433.95 | $0.00 | -$20.00 | $846.44 | $57,260.39 | ### Fee Detail for Plan IH9900 | Fee Type | Process Date | Money Source | Investment | Number of Units/Shares | Unit/Share Price | --- ## Page 4 The user wants me to transcribe ALL visible text on the page as clean markdown. I need to: 1. Transcribe all visible text exactly as shown 2. Use ### for sections 3. Use **bold** for labels 4. Use markdown tables for tabular data (if any) 5. Use - bullets for lists 6. Preserve all numbers, dates, and values exactly 7. Output ONLY the transcribed text — no commentary, analysis, or preamble 8. Start directly with the content Let me examine the text on the page: Header: - January 01, 2025 - December 31, 2025 - Voya Financial - PO Box 990070 - Hartford, CT 06199-0070 - JOHAN JONGSMA - continued from previous page Main title: - Messages for Plan IH9900 Body text: - VRIAC, ReliaStar, VIPS and Voya Institutional Trust Company are all members of the Voya family of companies. Securities distributed by Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. OneAmerica Securities and the companies of OneAmerica Financial are not affiliated with the Voya family of companies. All products or services may not be available in all states. - Not FDIC/NCUA/NCUSIF Insured | Not a Deposit of a Bank/Credit Union | May Lose Value | Not Bank/Credit Union Guaranteed | Not Insured by Any Federal Government Agency - This statement contains time sensitive financial information. Please review the statement carefully and report any discrepancies or transactions that you did not initiate or request by calling one of our customer service representatives at the 1-800 Customer Service phone number provided above within 30 days of the date of this statement. Automated Voice Response System is available 24/7. Representatives are available Monday thru Friday, 8 a.m. to 9 p.m., ET or visit our web site at www.voyaretirementplans.com. The Company will investigate any claim and determine, in its sole discretion, whether an adjustment is warranted. Failure to report any discrepancy within 30 days will indicate that you are in agreement with transactions in your account as reported in this statement. - Voya Excessive Trading Policy - Voya has an Excessive Trading Policy and monitors fund transfer activity. To view Voya's Excessive Trading Policy refer to www.voyaretirementplans.com or your plan's website, or to obtain a copy of Voya's Excessive Trading Policy contact our customer service department at the number on the front of this statement. - Agreements to Share Trading Information with Funds For information please refer to www.voyaretirementplans.com or your plan's website. - Redemption Fees For information please refer to www.voyaretirementplans.com or your plan's website, or each fund's prospectus. - You should consider the investment objectives, risks, charges, and expenses of the investment options carefully before investing. Prospectuses containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing. Footer: - S-RSTM-0001 - Page 4 of 4 - PLAN | INVEST | PROTECT - VOYA FINANCIAL Right side numbers (vertical): - 002578 1046102 0000000 010311 020622 02/04 Let me format this properly with markdown. I should note that there are no tables on this page, so I don't need to create any markdown tables. Let me structure this: First, the header information. I'll use bold for labels. **Voya Financial** PO Box 990070 Hartford, CT 06199-0070 **JOHAN JONGSMA** January 01, 2025 - December 31, 2025 *continued from previous page* Then the main section: ### Messages for Plan IH9900 Then the paragraphs. I should preserve the formatting as much as possible. The first paragraph is just text. The second paragraph starts with "Not FDIC/NCUA/NCUSIF Insured..." - this looks like it could be formatted with the pipe separators or as a list, but I'll keep it as text since that's how it appears. The third paragraph is the time sensitive information paragraph. The fourth paragraph is about Excessive Trading Policy. The fifth paragraph is about Agreements to Share Trading Information. The sixth paragraph is about Redemption Fees. The seventh paragraph is the investment objectives warning in italics. Then the footer information. Wait, I need to look more carefully at the formatting. The text "Not FDIC/NCUA/NCUSIF Insured | Not a Deposit..." uses pipe characters as separators. Also, the text "You should consider..." appears to be in italics in the original. Let me transcribe carefully: January 01, 2025 - December 31, 2025 **Voya Financial** PO Box 990070 Hartford, CT 06199-0070 **JOHAN JONGSMA** *continued from previous page* ### Messages for Plan IH9900 VRIAC, ReliaStar, VIPS and Voya Institutional Trust Company are all members of the Voya family of companies. Securities distributed by Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. OneAmerica Securities and the companies of OneAmerica Financial are not affiliated with the Voya family of companies. All products or services may not be available in all states. **Not FDIC/NCUA/NCUSIF Insured | Not a Deposit of a Bank/Credit Union | May Lose Value | Not Bank/Credit Union Guaranteed | Not Insured by Any Federal Government Agency** This statement contains time sensitive financial information. Please review the statement carefully and report any discrepancies or transactions that you did not initiate or request by calling one of our customer service representatives at the 1-800 Customer Service phone number provided above within 30 days of the date of this statement. Automated Voice Response System is available 24/7. Representatives are available Monday thru Friday, 8 a.m. to 9 p.m., ET or visit our web site at www.voyaretirementplans.com. The Company will investigate any claim and determine, in its sole discretion, whether an adjustment is warranted. Failure to report any discrepancy within 30 days will indicate that you are in agreement with transactions in your account as reported in this statement. **Voya Excessive Trading Policy** - Voya has an Excessive Trading Policy and monitors fund transfer activity. To view Voya's Excessive Trading Policy refer to www.voyaretirementplans.com or your plan's website, or to obtain a copy of Voya's Excessive Trading Policy contact our customer service department at the number on the front of this statement. **Agreements to Share Trading Information with Funds** For information please refer to www.voyaretirementplans.com or your plan's website. **Redemption Fees** For information please refer to www.voyaretirementplans.com or your plan's website, or each fund's prospectus. *You should consider the investment objectives, risks, charges, and expenses of the investment options carefully before investing. Prospectuses containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing.* S-RSTM-0001 Page 4 of 4 PLAN | INVEST | PROTECT VOYA FINANCIAL 002578 1046102 0000000 010311 020622 02/04 Wait, I need to check the right side vertical text. It says: 002578 1046102 0000000 010311 020622 02/04 This appears to be printed vertically along the right edge. Let me reconsider the layout. The date "January 01, 2025 - December 31, 2025" is at the top right. The name "JOHAN JONGSMA" is below that, aligned right. "continued from previous page" is below that, aligned right. The Voya Financial address is at the top left. I think for a clean transcription, I should present it in a logical reading order. Let me format it: January 01, 2025 - December 31, 2025 **Voya Financial** PO Box 990070 Hartford, CT 06199-0070 **JOHAN JONGSMA** *continued from previous page* ### Messages for Plan IH9900 VRIAC, ReliaStar, VIPS and Voya Institutional Trust Company are all members of the Voya family of companies. Securities distributed by Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. OneAmerica Securities and the companies of OneAmerica Financial are not affiliated with the Voya family of companies. All products or services may not be available in all states. **Not FDIC/NCUA/NCUSIF Insured | Not a Deposit of a Bank/Credit Union | May Lose Value | Not Bank/Credit Union Guaranteed | Not Insured by Any Federal Government Agency** This statement contains time sensitive financial information. Please review the statement carefully and report any discrepancies or transactions that you did not initiate or request by calling one of our customer service representatives at the 1-800 Customer Service phone number provided above within 30 days of the date of this statement. Automated Voice Response System is available 24/7. Representatives are available Monday thru Friday, 8 a.m. to 9 p.m., ET or visit our web site at www.voyaretirementplans.com. The Company will investigate any claim and determine, in its sole discretion, whether an adjustment is warranted. Failure to report any discrepancy within 30 days will indicate that you are in agreement with transactions in your account as reported in this statement. **Voya Excessive Trading Policy** - Voya has an Excessive Trading Policy and monitors fund transfer activity. To view Voya's Excessive Trading Policy refer to www.voyaretirementplans.com or your plan's website, or to obtain a copy of Voya's Excessive Trading Policy contact our customer service department at the number on the front of this statement. **Agreements to Share Trading Information with Funds** For information please refer to www.voyaretirementplans.com or your plan's website. **Redemption Fees** For information please refer to www.voyaretirementplans.com or your plan's website, or each fund's prospectus. *You should consider the investment objectives, risks, charges, and expenses of the investment options carefully before investing. Prospectuses containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing.* S-RSTM-0001 Page 4 of 4 PLAN | INVEST | PROTECT VOYA FINANCIAL 002578 1046102 0000000 010311 020622 02/04 Actually, looking at the bottom, "S-RSTM-0001" is on the left and "Page 4 of 4" is on the right. The VOYA logo is at the bottom right. The vertical numbers are on the far right side. Let me be precise about all text: Top right: "January 01, 2025 - December 31, 2025" Below that: "JOHAN JONGSMA" Below that: "continued from previous page" Top left: "Voya Financial", "PO Box 990070", "Hartford, CT 06199-0070" Then the heading: "Messages for Plan IH9900" Then the body paragraphs. The footer has: "S-RSTM-0001" (bottom left), "Page 4 of 4" (bottom right), and the VOYA logo with "VOYA FINANCIAL" Also "PLAN | INVEST | PROTECT" at the very bottom left. And the vertical string of numbers on the right edge. Let me check if there are any special formatting requirements. The user said: - Use ### for sections - **bold** for labels - markdown tables for tabular data - - bullets for lists I don't see any lists that need bullet points. The text has some labels that should be bold. Let me format with bold labels where appropriate: **Voya Financial** PO Box 990070 Hartford, CT 06199-0070 **JOHAN JONGSMA** January 01, 2025 - December 31, 2025 *continued from previous page* ### Messages for Plan IH9900 VRIAC, ReliaStar, VIPS and Voya Institutional Trust Company are all members of the Voya family of companies. Securities distributed by Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. OneAmerica Securities and the companies of OneAmerica Financial are not affiliated with the Voya family of companies. All products or services may not be available in all states. **Not FDIC/NCUA/NCUSIF Insured | Not a Deposit of a Bank/Credit Union | May Lose Value | Not Bank/Credit Union Guaranteed | Not Insured by Any Federal Government Agency** This statement contains time sensitive financial information. Please review the statement carefully and report any discrepancies or transactions that you did not initiate or request by calling one of our customer service representatives at the 1-800 Customer Service phone number provided above within 30 days of the date of this statement. Automated Voice Response System is available 24/7. Representatives are available Monday thru Friday, 8 a.m. to 9 p.m., ET or visit our web site at www.voyaretirementplans.com. The Company will investigate any claim and determine, in its sole discretion, whether an adjustment is warranted. Failure to report any discrepancy within 30 days will indicate that you are in agreement with transactions in your account as reported in this statement. **Voya Excessive Trading Policy** - Voya has an Excessive Trading Policy and monitors fund transfer activity. To view Voya's Excessive Trading Policy refer to www.voyaretirementplans.com or your plan's website, or to obtain a copy of Voya's Excessive Trading Policy contact our customer service department at the number on the front of this statement. **Agreements to Share Trading Information with Funds** For information please refer to www.voyaretirementplans.com or your plan's website. **Redemption Fees** For information please refer to www.voyaretirementplans.com or your plan's website, or each fund's prospectus. *You should consider the investment objectives, risks, charges, and expenses of the investment options carefully before investing. Prospectuses containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing.* S-RSTM-0001 Page 4 of 4 PLAN | INVEST | PROTECT VOYA FINANCIAL 002578 1046102 0000000 010311 020622 02/04 Wait, I need to check if "S-RSTM-0001" is aligned with "Page 4 of 4" or if they are on the same line. Looking at the image, "S-RSTM-0001" is on the left, and "Page 4 of 4" is on the right, both above a horizontal line. Actually, looking more carefully: There's a horizontal line. Below that on the left is "S-RSTM-0001". On the right, above the line or below? Let me look. The image shows: - A horizontal line near the bottom - "S-RSTM-0001" on the left, just above or at the line - "Page 4 of 4" on the right, just above or at the line - Below the line on the left: "PLAN | INVEST | PROTECT" - Below the line on the right: The VOYA logo Actually, looking at the PDF: "S-RSTM-0001" is on the bottom left. "Page 4 of 4" is on the bottom right. There's a horizontal line above these. "PLAN | INVEST | PROTECT" is below the line on the left. "VOYA FINANCIAL" logo is below the line on the right. And the vertical numbers on the far right: "002578 1046102 0000000 010311 020622 02/04" Let me format this carefully. Since the user wants clean markdown, I should present the text in reading order. One more thing: The first paragraph under "Messages for Plan IH9900" - is there any bold text in it? Looking at the image, no, it's just plain text. The text "Not FDIC/NCUA/NCUSIF Insured..." appears to be in bold. The labels "Voya Excessive Trading Policy", "Agreements to Share Trading Information with Funds", and "Redemption Fees" appear to be in bold. The last paragraph about investment objectives appears to be in italics. The header information: - Top right: "January 01, 2025 - December 31, 2025" - Below that right-aligned: "JOHAN JONGSMA" - Below that right-aligned: "continued from previous page" - Top left: "Voya Financial", "PO Box 990070", "Hartford, CT 06199-0070" Actually, looking at the spacing: "January 01, 2025 - December 31, 2025" is at the top. Then on the right: "JOHAN JONGSMA" Then on the right: "continued from previous page" On the left: "Voya Financial", "PO Box 990070", "Hartford, CT 06199-0070" The name "JOHAN JONGSMA" seems to be aligned with the Voya Financial block or slightly to the right. It's definitely a header element. Let me try to format this as: **Voya Financial** PO Box 990070 Hartford, CT 06199-0070 **JOHAN JONGSMA** January 01, 2025 - December 31, 2025 *continued from previous page* Or perhaps the date is at the very top. Looking at the image, the date is at the top right corner. The name is below it. The address is on the left. Let me go with a logical flow: January 01, 2025 - December 31, 2025 **Voya Financial** PO Box 990070 Hartford, CT 06199-0070 **JOHAN JONGSMA** *continued from previous page* ### Messages for Plan IH9900 [Body text...] Actually, I think "JOHAN JONGSMA" is positioned to the right, at the same level as the Voya Financial address block or slightly higher. The date is at the very top right. Let me check the original image once more. The date "January 01, 2025 - December 31, 2025" is at the top. The name "JOHAN JONGSMA" is centered or right-aligned below it. "continued from previous page" is further down on the right. Actually, looking at the layout: - Top left: Voya Financial address - Top