$642.8M in expenses

The YMCA retirement fund provided monthly annuity payments to approximately 17,421 retired YMCA employees with an average annual annuity of approximately $20,882. During the fiscal year ended june 30, 2025, the YMCA retirement fund provided benefits (including death and disability benefits) in excess of $591,157,000. The following bundled benefits are provided to all participating YMCA's: retirement plan: a defined contribution money purchase church pension plan that is intended to satisfy the qualification requirements of section 401(a) of the internal revenue code (code). Tax-deferred savings plan: a retirement income account plan as defined in section 403(b)(9) of the code. Life annuities to retirees: the YMCA retirement fund provides annuities based upon accumulated account balances in the retirement plan and tax-deferred savings plan to participants of retirement age. Death and disability benefits: retirement death and disability benefits are provided to participants or their beneficiaries upon death or permanent total disability.