Summary Annual Report (SAR)The following is a summary of the Annual Return/Report of Employee Benefit Plan (Form 5500) for the Young Men’s Christian Association Retirement Fund Retirement Plan (the “Plan”), EIN#13-5562401, Plan No. 001, for the plan year beginning July 1, 2023, and ending June 30, 2024. The Annual Return/Report is filed with the U.S. Department of Labor’s Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (“ERISA”). The Plan is a multiple employer defined contribution, money purchase pension plan for an association of employers. Basic Financial Statement Benefits under the Plan are provided by employer and employee contributions. Plan expenses were $219,820,000. These expenses included $132,864,000 paid to the YMCA Retirement Fund for the purchase of life annuities and $86,956,000 in benefits paid to participants and beneficiaries. A total of 94,903 persons were participants in or beneficiaries of the Plan at the end of the plan year, although not all of these persons had yet earned the right to receive benefits. The value of Plan assets, after subtracting the liabilities of the Plan, was $3,735,650,000 as of June 30, 2024, compared to $3,624,230,000 as of June 30,2023. During the plan year, the Plan experienced an increase in its net assets of $111,420,000. The Plan had total income of $331,240,000, including employer contributions of $200,784,000 employee contributions of $7,896,000, and interest credited to account balances of $122,560,000. Minimum Funding Standards Enough money was contributed to the Plan to keep it funded in accordance with the minimum funding standards of ERISA. Your Rights to Additional Information You have the right to receive a copy of the full Annual Return/Report, or any part thereof, on request and at no charge, by writing or calling: YMCA Retirement Fund, 1177 Avenue of the Americas, New York, NY 10036-2714, 1-800-RET-YMCA. The following items are included in the Annual Return/Report: independent auditor’s report and financial statements and notes; financial information; assets held for investment; fiduciary information; transactions in excess of 5% of Plan assets; and a Schedule MEP, including name and EIN of the employers participating in the MEP, each participating employer’s percentage of the total contributions (employer and employee) made by all employers participating in the MEP and the aggregate account balance for each of the employers participating in the MEP. You also have the legally protected right to examine the full Annual Return/Report at the YMCA Retirement Fund, 1177 Avenue of the Americas, New York, NY 10036-2714, and at the U.S. Department of Labor in Washington, DC, or obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the U.S. Department of Labor should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue NW, Washington, DC 20210. The Annual Return/Report is also available online at the U.S. Department of Labor website.