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NORTHWELL HEALTH 403(b) PLANPlan ID: 0001395Employer ID: 001331001Policy Contract: 890628 006Product name: Lincoln Group Variable AnnuityThe purpose of this document is to provide you with important information regarding the Northwell Health403(b) Plan and the plan’s designated investment alternatives under the Lincoln Group Variable Annuity,including fee and expense information, to help you compare investment options in accordance withDepartment of Labor (DOL) Regulation section 2550.404a-5 (“404(a) participant fee disclosure”).Information presented throughout this entire document is specific to the plan’s designated investmentalternatives only under the Lincoln Group Variable Annuity. Please contact your retirement planadministrator for more information.If you would like additional information regarding your plan’s designated investment alternatives, you mayvisit the specific website addresses shown throughout this document or you may contact your retirementplan administrator at 914‒366‒3156 or 701 N BROADWAY, SLEEPY HOLLOW, NY 10591-1020. A freepaper copy of the information may be obtained by contacting your retirement plan administrator at914‒366‒3156.Every effort has been made to ensure that this disclosure is as thorough and accurate as possible toreflect the legal documents, laws, and regulations that govern the operation of the plan. In the event ofany conflict, the terms of the plan document, investment arrangements, applicable laws, and regulationswill govern.Document summaryThere are several sections that comprise the 404(a) participant fee disclosure: General plan information section provides general information regarding plan features anddesignated investment alternatives, such as an explanation of how to give investment instructions, ifapplicable. Plan fees and expenses Individual participant fees section provides an explanation of any fees and expenses that maybe charged to or deducted from your retirement account based on the actions taken by you.Examples may include fees and expenses for plan loans and for processing surrender charges, ifapplicable. Comparative charts provide a current list of the investment options with performance and feeinformation for designated investment alternatives in comparative chart format.General plan informationTo direct your designated investment alternatives for the plan:For initial enrollment, you may enroll by following the enrollment process established for your plan or bycompleting the materials and returning them as indicated on the documents provided during theenrollment process.Existing participants may update elections by: Visiting LincolnFinancial.com, or Calling the Lincoln Customer Contact Center at 800‒341‒0441You may change your elections at any time; transfers are effective the same business day provided themarkets are open and instructions are received before 4:00 p.m. Eastern Time.The Lincoln Group Variable Annuity may restrict the number of transfers you may make amongdesignated investment alternatives within the product in a given time period. An investment option mayapply a redemption fee or restrict certain transfers. However, transactions associated with market timing –0001395001331001890628006TSAVNLNY page 1 of 15
such as frequent, large, or short-term transfers among investment options – can affect the underlyingfunds and their investments. Lincoln therefore reviews the number of transfers that a participant makeswithin given periods of time to determine if any transfer attempts to capitalize upon short-term movementsin the equity markets (Market Timing Policy). If so, the participant's transfer activity will be subject tofurther scrutiny. Potential market timing or frequent trading may result in future trading restrictions, up toand including temporary (or permanent) revocation of telephone exchange privileges.Voting and tender rights associated with mutual fund shares offered under the plan are exercised by theplan sponsor, if applicable.The designated investment alternatives available in the Lincoln Group Variable Annuity are those listed inthe comparative charts. Please contact your retirement plan administrator for information regardingdesignated investment alternatives offered outside of the Lincoln Group Variable Annuity, if any (e.g.,employer securities).Should you take a loan, interest will be assessed as disclosed in the Contract Loan Request and theTruth in Lending Disclosure Statement that is provided at the time of loan initiation. Currently, the interestpayment can range from 0% to 4.0%, from which a portion is used to pay for loan administrative andmaintenance fees. The remainder is credited to your plan balance.A Market Value Adjustment fee may be charged to participant plan accounts for transfers or withdrawalsfrom the Fixed Account under certain market conditions. Transfers or withdrawals from the accountrequire Lincoln to sell investments backing those assets. The sale of those investments may result in aloss of earnings and is charged to the participant account.0001395001331001890628006TSAVNLNY page 2 of 15
Plan fees and expensesThis section provides an explanation of fees and expenses for general plan administrative services, ifany, that may be charged to or deducted from all individual accounts and are not reflected in the totalannual operating expenses of any designated investment alternative. For example, the plan may incurgeneral administrative expenses each year to cover services related to the operation of the plan (e.g.,legal, accounting, recordkeeping, trustee fees, and Registered Investment Advisor fees). Whereapplicable, the plan may charge a portion of these expenses to participant accounts if the expenses arenot paid by the plan sponsor or from revenue sharing payments the plan receives from plan investmentoptions. These expenses will appear on your quarterly retirement statement, if applicable.Additionally, an explanation of any fees and expenses that may be charged to or deducted from theindividual account of a specific participant based on the actions taken by that person are described below.The dollar amount of fees and expenses that are actually charged to a participant’s account during thepreceding quarter will be reflected on the participant’s quarterly retirement statement.Individual participant feesThe plan applies fees to individual participant accounts. These charges apply only to participants who usespecific features of the plan. Here is a list of individual participant fees associated with this plan:Individual feesDescriptionFee/FrequencySurrender ChargeFee charged to participant plan accounts for certain earlywithdrawals or surrender of the contract. This fee is apercentage of the amount withdrawn, based on the number ofyears of participation in the policy contract.1 - 6 yrs.: 5.00%year 7 : 4.00%year 8 : 3.00%year 9 : 2.00%year 10 : 1.00%0001395001331001890628006TSAVNLNY page 3 of 15
NORTHWELL HEALTH 403(b) PlanPlan ID: 0001395Employer ID: 001331001Policy Contract: 890628 006Product name: Lincoln Group Variable AnnuityInvestment options, performance history, and fees and expenses as of December 31, 2020.Comparative chart summaryThis section is comprised of three charts:Chart 1 Variable return investments chart- comprised of performance information for plan investment options- illustrates the past performance of the investments with the benchmark fieldChart 2 Fixed return investments chart- displays those funds with a fixed rate of returnChart 3 Fees and expenses chart- displays the fees and expenses you will pay if you invest in a particular optionNORTHWELL HEALTH 403(b) PLAN investment options comparative chartChart 1 – Variable return investmentsChart 1 focuses on the performance of investment options that do not have a fixed or stated rate ofreturn. The chart illustrates how these options have performed over time and allows you to compare themwith an appropriate benchmark for the same time periods.Past performance does not guarantee how the investment option will perform in the future. Yourinvestment in these options could lose money. Information regarding an option’s principal risks isavailable at LincolnFinancial.com.Chart 1 - Variable return investmentsAverage annual total return as ofDecember 31, 2020Investment optionsSinceinception1-yr.5-yr.10-yr.AB VPS Global Thematic Growth B (09/00)Net of feesMSCI ACWI Large Cap NR 8712.527.838.589.25-----AB VPS Large Cap Growth B (04/19)Net of feesRussell 1000 Growth TR 1.00--15.9717.2122.1910.08Equity funds0001395001331001890628006TSAVNLNY page 4 of 15
Chart 1 - Variable return investmentsAverage annual total return as ofDecember 31, 2020Investment optionsSinceinception1-yr.5-yr.10-yr.American Funds IS Global Growth 2 (05/04)Net of feesMSCI ACWI Large Cap NR 1012.5210.9611.739.25-----American Funds IS Growth 2 (09/00)Net of feesRussell 1000 Growth TR 5321.0014.8815.6817.21-----American Funds IS Growth-Income 2 (05/04)Net of feesRussell 1000 TR 015.6010.8511.6214.01-----American Funds IS International 2 (09/00)Net of feesMSCI ACWI Ex USA Growth NR 1.974.885.626.94-----Delaware VIP Small Cap Value Series Svc (05/04)Net of feesRussell 2000 Value TR .656.567.308.66-----Delaware VIP Smid Cap Core Service (09/00)Net of feesRussell Mid Cap Growth TR .669.6610.4315.04-----Fidelity VIP Contrafund Service 2 (09/00)Net of feesRussell 1000 Growth TR 7421.0011.3312.1117.21-----Fidelity VIP Growth Initial (01/97)Net of feesRussell 1000 Growth TR 1121.0015.2816.0917.21-----Janus Henderson VIT Global Rsrch Instl (10/98)Net of feesMSCI ACWI Large Cap NR SAVNLNY page 5 of 15
Chart 1 - Variable return investmentsAverage annual total return as ofDecember 31, 2020Investment optionsSinceinception1-yr.5-yr.10-yr.LVIP Baron Growth Opportunities Svc (10/98)Net of feesRussell Mid Cap Growth TR 5518.6613.1113.8915.04-----LVIP Blended Large Cap Gr Mgd Vol Std (09/00)Net of feesRussell 1000 Growth TR 721.008.188.9417.21-----LVIP Blended Mid Cap Managed Vol Std (05/14)Net of feesRussell Mid Cap Growth TR 3518.66--7.3415.049.134.95LVIP Delaware Social Awareness Std (10/98)Net of feesRussell 1000 TR 9515.6011.3812.1614.01-----LVIP Dimensional US Core Equity 1 Std (09/00)Net of feesRussell 1000 TR 615.6010.9511.7214.01-----LVIP Franklin Templ Glb Eq Mgd Vol Std (05/14)Net of feesMSCI ACWI Large Cap NR 2.52--5.139.251.587.01LVIP JPMorgan Sel Mid Cap Val MgdVol Std (05/14)Net of feesRussell Mid Cap TR 3.40--5.1412.411.965.51LVIP Mondrian International Value Std (05/04)Net of feesMSCI ACWI Ex USA Value NR 15.712.423.142.78-----LVIP SSgA Emerging Markets 100 Std (06/09)Net of feesMSCI EM NR AVNLNY page 6 of 15
Chart 1 - Variable return investmentsAverage annual total return as ofDecember 31, 2020Investment optionsSinceinception1-yr.5-yr.10-yr.LVIP SSgA International Index Std (06/09)Net of feesMSCI ACWI Ex USA NR 933.434.154.92-----LVIP SSgA International Managed Vol Std (01/17)Net of feesMSCI ACWI Ex USA NR 93----4.923.240.56LVIP SSgA S&P 500 Index Std (05/12)Net of feesRussell 1000 TR 015.60--12.4714.0112.705.42LVIP SSgA Small Cap Index Std (05/12)Net of feesRussell 2000 TR 6113.26--9.6211.2010.437.17LVIP T. Rowe Price Struct Md Cp Gr Std (10/98)Net of feesRussell Mid Cap Growth TR 4918.6613.0513.8415.04-----Neuberger Berman AMT Sustainable Eq I (04/19)Net of feesRussell 1000 TR 5.60--10.5114.0112.216.99T. Rowe Price International Stock Port (01/97)Net of feesMSCI ACWI Ex USA Growth NR USDwww.LincolnFinancial.comBond elaware VIP Diversified Income Std (05/04)Net of feesBBgBarc US Universal TR 72.613.334.16-----Delaware VIP High Yield Series Std (06/05)Net of feesICE BofA US High Yield TR NY page 7 of 15
Chart 1 - Variable return investmentsAverage annual total return as ofDecember 31, 2020Investment optionsSinceinception1-yr.5-yr.10-yr.LVIP BlackRock Infl Prot Bd Std (05/12)Net of feesBBgBarc US Treasury US TIPS TR .08--1.633.81-0.461.68LVIP Delaware Bond Std (05/04)Net of feesBBgBarc US Agg Bond TR 42.533.253.84-----LVIP Delaware Divers Floating Rate Svc (05/11)Net of feesBBgBarc Govt/Corp 1 Yr Duration TR .85--0.291.15-0.520.33LVIP Global Income Std (06/09)Net of feesBBgBarc Global Aggregate TR 790.901.602.83-----LVIP SSgA Bond Index Std (06/09)Net of feesBBgBarc US Agg Bond TR .094.441.752.473.84-----American Century VP Balanced I (01/97)Net of feesMorningstar Mod Tgt Risk TR .757.047.797.77-----BlackRock Global Allocation V.I. I (06/09)Net of feesMorningstar Gbl Allocation TR 9.765.065.807.22-----Delaware VIP REIT Svc (09/00)Net of feesS&P United States REIT TR .244.625.195.928.17-----DWS Alternative Asset Allocation VIP A (06/09)Net of feesMorningstar Mod Tgt Risk TR LNY page 8 of 15
Chart 1 - Variable return investmentsAverage annual total return as ofDecember 31, 2020Investment optionsSinceinception1-yr.5-yr.10-yr.Fidelity VIP Freedom 2020 SC2 (11/17)Net of feesMorningstar Lifetime Mod 2020 TR 0--6.817.636.025.91Fidelity VIP Freedom 2025 SC2 (11/17)Net of feesMorningstar Lifetime Mod 2025 TR 8--7.548.226.586.44Fidelity VIP Freedom 2030 SC2 (11/17)Net of feesMorningstar Lifetime Mod 2030 TR .58--8.158.797.266.68Fidelity VIP Freedom 2035 SC2 (11/17)Net of feesMorningstar Lifetime Mod 2035 TR .14--8.839.178.0411.88Fidelity VIP Freedom 2040 SC2 (11/17)Net of feesMorningstar Lifetime Mod 2040 TR 1.48--9.019.348.4312.12Fidelity VIP Freedom 2045 SC2 (11/17)Net of feesMorningstar Lifetime Mod 2045 TR 1.61--9.079.338.4212.21Fidelity VIP Freedom 2050 SC2 (11/17)Net of feesMorningstar Lifetime Mod 2050 TR 1.62--9.079.248.4212.32Fidelity VIP Freedom 2055 Service 2 (06/19)Net of feesMorningstar Lifetime Mod 2055 TR 1----9.1412.6516.70Fidelity VIP Freedom 2060 Service 2 (06/19)Net of feesMorningstar Lifetime Mod 2060 TR NY page 9 of 15
Chart 1 - Variable return investmentsAverage annual total return as ofDecember 31, 2020Investment optionsSinceinception1-yr.5-yr.10-yr.Fidelity VIP Asset Manager Initial (01/97)Net of feesMorningstar Mod Con Tgt Risk TR .175.546.286.47-----LVIP BlackRock Advantage Allocation Std (06/09)Net of feesMorningstar Mod Tgt Risk TR .755.215.957.77-----LVIP BlackRock Global Real Estate Std (06/07)Net of feesS&P Global REIT TR 4.813.444.177.29-----LVIP Delaware Wealth Builder Std (06/09)Net of feesMorningstar Mod Tgt Risk TR .754.785.527.77-----LVIP Global Conservative Allc Mgd Std (06/05)Net of feesMorningstar Mod Con Tgt Risk TR .174.084.806.47-----LVIP Global Growth Allc Mgd Risk Std (06/05)Net of feesMorningstar Mod Tgt Risk TR .753.794.517.77-----LVIP Global Moderate Allc Mgd Risk Std (06/05)Net of feesMorningstar Mod Tgt Risk TR .753.784.517.77-----LVIP JPMorgan Retirement Income Std (05/04)Net of feesMorningstar Mod Con Tgt Risk TR 174.144.876.47-----LVIP SSgA Global Tact Allc Mgd Vol Std (06/05)Net of feesMorningstar Mod Tgt Risk TR LNY page 10 of 15
Chart 1 - Variable return investmentsAverage annual total return as ofDecember 31, 2020Investment optionsSinceinception1-yr.5-yr.10-yr.LVIP T. Rowe Price 2010 Standard (06/07)Net of feesMorningstar Lifetime Mod 2010 TR .934.034.766.57-----LVIP T. Rowe Price 2020 Standard (06/07)Net of feesMorningstar Lifetime Mod 2020 TR .204.465.197.63-----LVIP T. Rowe Price 2030 Standard (06/07)Net of feesMorningstar Lifetime Mod 2030 TR 0.584.805.548.79-----LVIP T. Rowe Price 2040 Standard (06/07)Net of feesMorningstar Lifetime Mod 2040 TR 1.485.065.809.34-----LVIP T. Rowe Price 2050 Standard (05/11)Net of feesMorningstar Lifetime Mod 2050 TR 1.62----9.245.055.40LVIP T. Rowe Price 2060 Standard (05/20)Net of feesMorningstar Lifetime Mod 2060 TR .0024.4833.17Chart 2 – Fixed return investmentsChart 2 focuses on the performance of investment options that have a fixed or stated rate of return. Thechart displays the credited rate of return of each such option, the term or length of time that you will earnthis rate of return, and other information relevant to performance.0001395001331001890628006TSAVNLNY page 11 of 15
Chart 2 - Fixed return investmentsInvestment optionsRate TypeReturnTermEffective date1.600.004.501.25QuarterlyQuarterly1 - 99 yrs1 - 99 yrs12/31/202012/31/2020--04/30/2019Group FixedNew money ratePortfolio rateGuaranteed minimum interest rateLincoln reserves the right to adjust the fixed or stated rate of return prospectively during the term of the contract or agreement. The mostcurrent rate of return is available at 800-341-0441.The lower of the two Guaranteed Minimum Interest Rates shown above will only apply to allocations afterthe effective date provided in the above chart. All assets invested prior to the effective date of the lowerGuaranteed Minimum Interest Rate shown above will continue to receive the higher of the twoGuaranteed Minimum Interest Rates provided.Chart 3 – Fee and expense informationChart 3 displays fee and expense information for the investment options listed in the prior two charts(Chart 1 and Chart 2). It indicates the total annual operating expenses of the options in Chart 1. Totalannual operating expenses are expenses that reduce the rate of return of the investment option. Thischart also shows shareholder-type fees, if applicable. These fees are in addition to total annual operatingexpenses.The total annual operating expense includes the mortality and expense fee of 1.00%, which provides theannuity product death benefit, expense cap guarantee, and administrative costs of servicing the annuitycontract.Chart 3 - Fees and expensesInvestment optionTotal annualoperating expensesNet operatingexpensesShareholder-typefees and transfertype restrictionsAs a %Per 1000As a %Per 1000AB VPS Global Thematic Growth B2.29% 22.901.24% 12.40---AB VPS Large Cap Growth B1.94% 19.400.93% 9.30---American Funds IS Global Growth 21.82% 18.200.82% 8.20---American Funds IS Growth 21.61% 16.100.61% 6.10---American Funds IS Growth-Income 21.55% 15.500.55% 5.50---American Funds IS International 21.80% 18.000.80% 8.00---Delaware VIP Small Cap Value Series Svc2.07% 20.701.07% 10.70---Delaware VIP Smid Cap Core Service2.11% 21.101.11% 11.10---Fidelity VIP Contrafund Service 21.86% 18.600.86% 8.60---Equity funds0001395001331001890628006TSAVNLNY page 12 of 15
Chart 3 - Fees and expensesInvestment optionTotal annualoperating expensesNet operatingexpensesShareholder-typefees and transfertype restrictionsAs a %Per 1000As a %Per 1000Fidelity VIP Growth Initial1.63% 16.300.63% 6.30---Janus Henderson VIT Global Rsrch Instl1.79% 17.900.79% 7.90---LVIP Baron Growth Opportunities Svc2.33% 23.301.19% 11.90---LVIP Blended Large Cap Gr Mgd Vol Std1.80% 18.000.70% 7.00---LVIP Blended Mid Cap Managed Vol Std1.73% 17.300.72% 7.20---LVIP Delaware Social Awareness Std1.46% 14.600.46% 4.60---LVIP Dimensional US Core Equity 1 Std1.41% 14.100.41% 4.10---LVIP Franklin Templ Glb Eq Mgd Vol Std1.75% 17.500.74% 7.40---LVIP JPMorgan Sel Mid Cap Val MgdVolStd1.79% 17.900.78% 7.80---LVIP Mondrian International Value Std1.76% 17.600.76% 7.60---LVIP SSgA Emerging Markets 100 Std1.50% 15.000.49% 4.90---LVIP SSgA International Index Std1.50% 15.000.38% 3.80---LVIP SSgA International Managed Vol Std1.68% 16.800.62% 6.20---LVIP SSgA S&P 500 Index Std1.23% 12.300.23% 2.30---LVIP SSgA Small Cap Index Std1.40% 14.000.40% 4.00---LVIP T. Rowe Price Struct Md Cp Gr Std1.75% 17.500.74% 7.40---Neuberger Berman AMT Sustainable Eq I1.93% 19.300.93% 9.30---T. Rowe Price International Stock PortBond funds2.05% 20.500.95% 9.50---Delaware VIP Diversified Income Std1.64% 16.400.60% 6.00---Delaware VIP High Yield Series Std1.76% 17.600.74% 7.40---LVIP BlackRock Infl Prot Bd Std1.49% 14.900.49% 4.90---LVIP Delaware Bond Std1.37% 13.700.37% 3.70---LVIP Delaware Divers Floating Rate Svc1.91% 19.100.88% 8.80---LVIP Global Income Std1.78% 17.800.71% 7.10---0001395001331001890628006TSAVNLNY page 13 of 15
Chart 3 - Fees and expensesInvestment optionTotal annualoperating expensesNet operatingexpensesShareholder-typefees and transfertype restrictionsAs a %Per 1000As a %Per 1000LVIP SSgA Bond Index StdOther1.47% 14.700.35% 3.50---American Century VP Balanced I1.91% 19.100.87% 8.70---BlackRock Global Allocation V.I. I1.74% 17.400.73% 7.30---Delaware VIP REIT Svc2.13% 21.301.13% 11.30---DWS Alternative Asset Allocation VIP A1.88% 18.800.86% 8.60---Fidelity VIP Freedom 2020 SC20.77% 7.700.77% 7.70---Fidelity VIP Freedom 2025 SC20.79% 7.900.79% 7.90---Fidelity VIP Freedom 2030 SC20.84% 8.400.84% 8.40---Fidelity VIP Freedom 2035 SC20.88% 8.800.88% 8.80---Fidelity VIP Freedom 2040 SC20.90% 9.000.90% 9.00---Fidelity VIP Freedom 2045 SC20.91% 9.100.91% 9.10---Fidelity VIP Freedom 2050 SC20.91% 9.100.91% 9.10---Fidelity VIP Freedom 2055 Service 21.90% 19.000.90% 9.00---Fidelity VIP Freedom 2060 Service 21.91% 19.100.91% 9.10---Fidelity VIP Asset Manager Initial1.62% 16.200.62% 6.20---LVIP BlackRock Advantage Allocation Std2.12% 21.200.73% 7.30---LVIP BlackRock Global Real Estate Std1.77% 17.700.76% 7.60---LVIP Delaware Wealth Builder Std1.82% 18.200.71% 7.10---LVIP Global Conservative Allc Mgd Std1.76% 17.600.75% 7.50---LVIP Global Growth Allc Mgd Risk Std1.74% 17.400.73% 7.30---LVIP Global Moderate Allc Mgd Risk Std1.75% 17.500.73% 7.30---LVIP JPMorgan Retirement Income Std2.09% 20.900.72% 7.20---LVIP SSgA Global Tact Allc Mgd Vol Std1.70% 17.000.60% 6.00---LVIP T. Rowe Price 2010 Standard1.89% 18.900.69% 6.90---0001395001331001890628006TSAVNLNY page 14 of 15
Chart 3 - Fees and expensesInvestment optionTotal annualoperating expensesNet operatingexpensesShareholder-typefees and transfertype restrictionsAs a %Per 1000As a %Per 1000LVIP T. Rowe Price 2020 Standard1.73% 17.300.67% 6.70---LVIP T. Rowe Price 2030 Standard1.73% 17.300.70% 7.00---LVIP T. Rowe Price 2040 Standard1.75% 17.500.71% 7.10---LVIP T. Rowe Price 2050 Standard1.84% 18.400.73% 7.30---LVIP T. Rowe Price 2060 StandardFixed return investments3.08% 30.800.73% 7.30---Group Fixed0.00% 0.000.00% 0.00---Frequent trading policy: Transactions associated with market timing – such as frequent, large, or short-term transfers among investment options – canaffect the underlying funds and their investments. Lincoln therefore reviews the number of transfers that a participant makes within given periods oftime to determine if any transfer attempts to capitalize upon short-term movements in the equity markets (Market Timing Policy). If so, the participant'stransfer activity will be subject to further scrutiny. Potential market timing or frequent trading may result in future trading restrictions, up to and includingtemporary (or permanent) revocation of telephone exchange privileges.A Market Value Adjustment may apply.Total annual operating expense: Expenses that reduce the rate of return of the investment option.The cumulative effect of fees and expenses can substantially reduce the growth of your retirementsavings. For an example of the long-term effects of fees and expenses on your retirement account, visitthe Department of Labor website at -look-at-401k-plan-fees.pdf. Fees and expenses are only one ofmany factors to consider when you decide to invest in an option. You may also want to consider whetheran investment in a particular option, along with your other investments, may help you achieve yourfinancial goals.Please visit LincolnFinancial.com for a glossary of investment terms relevant to the investment optionsunder this plan. This glossary is intended to help you better understand the terms used in this document.Important Disclosures. Please read.Annuity products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln FinancialDistributors, Inc., Radnor, PA, a broker/dealer. Contractual obligations are subject to the claims-paying ability of Lincoln Life& Annuity Company of New York.Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsiblefor their own financial and contractual obligations.0001395001331001890628006TSAVNLNY page 15 of 15
NORTHWELL HEALTH 403(b) PLANPlan ID: 0001395Employer ID: 001331001Policy Contract: 790628-006Product name: Lincoln Group Variable AnnuityThe purpose of this document is to provide you with important information regarding the Northwell Health403(b) Plan and the plan’s designated investment alternatives under the Lincoln Group Variable Annuity,including fee and expense information, to help you compare investment options in accordance withDepartment of Labor (DOL) Regulation section 2550.404a-5 (“404(a) participant fee disclosure”).Information presented throughout this entire document is specific to the plan’s designated investmentalternatives only under the Lincoln Group Variable Annuity. Please contact your retirement planadministrator for more information.If you would like additional information regarding your plan’s designated investment alternatives, you mayvisit the specific website addresses shown throughout this document or you may contact your retirementplan administrator at 914‒366‒3156 or 701 N BROADWAY, SLEEPY HOLLOW, NY 10591-1020. A freepaper copy of the information may be obtained by contacting your retirement plan administrator at914‒366‒3156.Every effort has been made to ensure that this disclosure is as thorough and accurate as possible toreflect the legal documents, laws, and regulations that govern the operation of the plan. In the event ofany conflict, the terms of the plan document, investment arrangements, applicable laws, and regulationswill govern.Document summaryThere are several sections that comprise the 404(a) participant fee disclosure: General plan information section provides general information regarding plan features anddesignated investment alternatives, such as an explanation of how to give investment instructions, ifapplicable. Plan fees and expenses General administrative expenses section provides an explanation of any fees and expensesfor general plan administrative services that may be charged to or deducted from all participants’retirement accounts. Examples include fees and expenses for legal, accounting, andrecordkeeping services. Individual participant fees section provides an explanation of any fees and expenses that maybe charged to or deducted from your retirement account based on the actions taken by you.Examples may include fees and expenses for plan loans and for processing surrender charges, ifapplicable. Comparative charts provide a current list of the investment options with performance and fe
NORTHWELL HEALTH 403(b) Plan Plan ID: 0001395 Employer ID: 001331001 Policy Contract: 890628 006 Product name: Lincoln Group Variable Annuity Investment options, performance history, and fees and expenses as of December 31, 2020. Comparative chart summary This section is comprised of three charts: Chart 1 Variable return investments chart
