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</head>
<body lang="EN-US" link="#467886" vlink="#96607D" style="word-wrap:break-word">
<div class="WordSection1">
<p class="MsoNormal"><o:p> </o:p></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="background:white;border-collapse:collapse">
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<td width="749" valign="top" style="width:562.1pt;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal"><span style="color:black"><img width="199" height="76" id="Picture_x0020_6" src="cid:image001.png@01DBF570.2A96A6A0" alt="A blue text on a black background
Description automatically generated"></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">July 15, 2025</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="729" style="width:547.0pt;background:white;border-collapse:collapse">
<tbody>
<tr style="height:19.4pt">
<td width="103" valign="top" style="width:77.6pt;padding:0in 5.4pt 0in 5.4pt;height:19.4pt">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">To:</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
<td width="626" valign="top" style="width:469.4pt;padding:0in 0in 0in 0in;height:19.4pt">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">Department Benefits Representatives (DBRs)</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style="height:19.95pt">
<td width="103" valign="top" style="width:77.6pt;padding:0in 5.4pt 0in 5.4pt;height:19.95pt">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">From:</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
<td width="626" valign="top" style="width:469.4pt;padding:0in 0in 0in 0in;height:19.95pt">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">Central HR Benefits Office on behalf of UC Office of the President</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
</tr>
<tr style="height:22.55pt">
<td width="103" valign="top" style="width:77.6pt;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:22.55pt">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">Re:</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
<td width="626" valign="top" style="width:469.4pt;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;height:22.55pt">
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif;color:black">Retirement Readiness Review Option Now Available on myUCretirement Website</span><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
</td>
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</tbody>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">DBRs, please share this information via your internal listserv. <b><u>Do not reply to this mail.</u></b> Please send
a separate email with questions to </span><span style="color:black"><a href="mailto:benefits@ucr.edu" title="mailto:benefits@ucr.edu"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">benefits@ucr.edu</span></a></span><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">.</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;line-height:115%;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">The 2025 Retirement Review is now available on myUCretirement.com (<a href="https://myucretirement.com/" target="_blank">https://myucretirement.com/</a>)
for UC career employees enrolled in the University of California Retirement Plan (UCRP) (Pension Choice). <i>Note: The Retirement Review for career employees who selected the Savings Choice option will be released at a later date.</i></span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">What Is the 2025 Retirement Review?</span></b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">The Retirement Review offers a snapshot of the retirement income UC employees are projected to receive from all UC retirement
benefits. It includes:</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<ol style="margin-top:0in" start="1" type="1">
<li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l2 level1 lfo3">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">An estimate of their potential monthly retirement income</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l2 level1 lfo3">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">The percentage of their current income that they are on track to replace in retirement—their <b>Retirement Readiness Score</b></span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li></ol>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">The review encompasses:</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l3 level1 lfo4">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">UCRP (pension) and the Defined Contribution (DC) Supplement, if applicable</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l3 level1 lfo4">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Account balances in the UC 403(b), 457(b), and/or DC Plans</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l3 level1 lfo4">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Capital Accumulation Payment (CAP) balances, where applicable</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li></ul>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Employees also have access to an interactive modeling tool, which allows them to explore various retirement scenarios—such
as increasing their contributions or factoring in outside income sources.</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Please note: Retirement Reviews have <i>not</i> been generated for:</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l4 level1 lfo5">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Savings Choice participants (to be released later)</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l4 level1 lfo5">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Members with community property liens or pending Qualified Domestic Relations Orders (QDROs)</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li><li class="MsoNormal" style="margin-bottom:0in;line-height:normal;mso-list:l4 level1 lfo5">
<span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Safe Harbor or terminated employees</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li></ul>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">However, these individuals may still log in to myUCretirement.com (<a href="https://myucretirement.com/" target="_blank">https://myucretirement.com/</a>)
and use the modeling tool by entering information manually to generate a Retirement Readiness Score.</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Communications & Resources</span></b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">An email announcement is scheduled to go out in mid-July 2025 to <b>employees whose Retirement
</b></span><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Reviews have been generated</span></b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">. </span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Employees may learn more about the Retirement Review <a href="https://myucretirement.com/resources/articles/0082" target="_blank">here</a>.</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"> </span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Please send any inquiries regarding the Retirement Review to Fidelity Investments at <b>1-800-558-9182</b>.</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></p>
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