United of Omaha Life Insurance Company
Not all Investment Options are available in all Plans

To assist you in complying with your requirements of the participant fee disclosure regulation under ERISA 404(a), the chart below provides you information on the investment options available to the Plan. We also include information on the Actively Managed Portfolios. However, these Portfolios are only available for investment by the Investment Manager and are not technically "designated investment options" available to the Plan.

This table illustrates the performance of the investment options offered by the Plan and allows you to compare them with an appropriate benchmark. Applicable benchmarks and benchmark performance are listed below each fund, are italicized, and do not include any fees. There are no redemption fees, maximum sales charges, or deferred sales charges for any investment option. Trading restrictions, if any, that apply to an investment option are footnoted. Past performance does not guarantee how the investment option will perform in the future. Investments may lose money. This table also illustrates fee and expense information for each investment option offered by the Plan.

Please click the fund name below for information about an investment option issuer, objectives or goals, principal strategies, principal risks and portfolio turnover rate, as well as more current performance information.
Investment Returns – Net of 1.35% Administrative Fee Fees and Expenses
Investment Option
(inception date, if less than 10 years)
Benchmark
Performance as of
02/28/2025
1YR 5YR 10YR/
Since
Inception
Net Total Operating Expenses (Actual) Gross Total Annual Operating Expenses
As a % Per
$1,000		 As a % Per
$1,000
Trade
Restrictions***
Professional Investment Portfolios
Risk Based Portfolios
Directions 5 - Aggressive Fund
(06/15/2023)
10.64% N/A 11.58% S.I.
1.78% $17.80 1.78% $17.80
S&P Target Risk Aggressive TR USD
13.10% N/A 30.03% S.I.
International Stock Funds
DFA World ex US Core Equity Portfolio
6.41% 6.87% 3.60%
2.00% $20.00 2.00% $20.00
MSCI® AC World Ex USA NR USD
9.67% 7.63% 5.12%
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Definitions of Principal Risks

Definitions of Principal Risks - SSGA

*Investors who redeem, transfer or exchange any amount out of the Investment Option must wait sixty (60) calendar days before transferring or exchanging any amount back into the Investment Option.

**Investors who redeem, transfer or exchange any amount out of the Investment Option must wait thirty (30) calendar days before transferring or exchanging any amount back into the Investment Option.

***Trading is subject to any fund imposed limits on the frequency or timing of trades. In addition, transfers may be restricted for participants who are making frequent transfers that violate the 401(k) product's frequent trading policy which limits the number of times that you may transfer your account into and out of the same fund in a calendar quarter.

  1. Guaranteed daily compound interest rates are declared by United of Omaha and have been reduced for all investment and administrative expenses. The Guaranteed Account is an individual investment choice and is not part of the program used by Mutual of Omaha to monitor investment options in the Retirement Savings Program. The illustrated returns are intended for historical comparison only and are not intended to represent actual returns for any individual contract. Actual returns will vary for each contract and will depend on the timing of the deposits and withdrawals. For this illustration, returns are calculated assuming that a $100 deposit is invested at the beginning of each month (starting 12/91), held in the contract for five years and then withdrawn with interest at the end of those five years. The resulting returns are the weighted average of the initial guaranteed rates for the prior 60-month period.
  2. Guaranteed daily compound interest rates are declared by United of Omaha and have been reduced for all investment and administrative expenses. The Lifetime Guaranteed Income Account is an individual investment choice and is not part of the program used by Mutual of Omaha to monitor investment options in the Retirement Savings Program. The illustrated returns are intended for historical comparison only and are not intended to represent actual returns for any individual contract. Actual returns will vary for each contract and will depend on the timing of the deposits and withdrawals. For this illustration, returns are calculated assuming that a $100 deposit is invested at the beginning of each month (starting 12/91), held in the contract for five years and then withdrawn with interest at the end of those five years. The resulting returns are the weighted average of the initial guaranteed rates for the prior 60-month period.

Investment options are offered through a group variable annuity contract (Forms 902-GAQC-09 or 902-GAQC-09(CT) or 902-GAQC-09(OR)) underwritten by United of Omaha Life Insurance Company, Omaha, NE 68175 accepts full responsibility for all of United’s contractual obligations under the contract but does not guarantee any contributions or investment returns except as to the Guaranteed Account and the Lifetime Guaranteed Income Account as provided under the contract. Neither United of Omaha Life Insurance Company nor its representatives or affiliates offers investment advice in connection with the contract.