Empower Retirement Security Annuity III 补充文件更新费用信息

EMPOWER ANNUITY INSURANCE COMPANY

EAIC VARIABLE CONTRACT ACCOUNT A

Empower Retirement Security Annuity III

Supplement to Prospectus Dated May 1, 2026

Supplement dated October 13, 2026

This Supplement should be read and retained with the current Prospectus for your Annuity. This Supplement is intended to update certain information in the Prospectus for your Annuity. If you would like another copy of the current Prospectus, please contact us at 1-855-756-4738.

We are issuing this supplement to update fee, expense, and fee footnote information associated with the PGIM 60/40 Allocation Fund, effective September 29, 2026.

PROSPECTUS CHANGES

1.Under “IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT”

(a) In the “Are There Ongoing Fees and Expenses?” section of the “FEES AND EXPENSES” table, we are replacing the Annual Fee chart with the following:

1The Base Contract fee includes the fee for the IncomeFlex Target Benefit and the mortality and expense fee.

2The Optional Benefit is the Optional Spousal Benefit.

(b) In the “Are There Ongoing Fees and Expenses?” section of the “FEES AND EXPENSES” table, we are replacing the Lowest Annual Cost and Highest Annual Cost chart with the following:

2026-PROSUPP-3-ERSA III

2.Under “FEE TABLE”

We are replacing the table entitled “Annual Portfolio Company Expenses” with the following:

3.Under “Section 5: What Are The Expenses Associated With The Empower Retirement Security Annuity III?”

We are replacing the sub-section entitled “Underlying Mutual Fund Fees” with the following:

UNDERLYING MUTUAL FUND FEES

When you allocate a Purchase Payment or a transfer to the Variable Investment Options, we in turn invest in shares of a corresponding underlying mutual fund. Those funds charge fees and incur operating expenses that are in addition to the Contract-related fees described in this section. Without regard to expense caps, the total fees and operating expenses of the PGIM Balanced Fund is 0.84% annually. Without regard to expense caps, the total fees and operating expenses of the PGIM 60/40 Allocation Fund is 0.50% annually. For additional information about these fund fees, please consult the prospectus for each fund.

4.Under “APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE CONTRACT”

We are replacing footnote 1, associated with the PGIM 60/40 Allocation Fund – Class R6, with the following:

1. The manager has contractually agreed, through November 30, 2027, to limit Current Expenses after fee waivers and/or expense reimbursements to 0.40% of average daily net assets for Class R6 shares. This contractual waiver includes acquired fund fees and expenses, and excludes fund and any acquired fund interest, brokerage, taxes (such as income and foreign withholding taxes, stamp duty and deferred tax expenses), extraordinary expenses, and certain other fund expenses such as dividend and interest expense and broker charges on short sales. Expenses waived or reimbursed by the manager for the purpose of preventing the expenses from exceeding a stated expense ratio limit may be recouped by the manager within the same fiscal year in which such waiver and/or reimbursement is made, Any such recoupment is limited to the lesser of the amounts that would be recoupable under: (i) the expense limitation in effect at the time the waiver and/or reimbursement was made or (ii) the expense limitation in effect at the time of recoupment. This waiver may not be terminated prior to November 30, 2027 without the prior approval of the fund’s Board of Trustees.

PLEASE RETAIN THIS SUPPLEMENT WITH YOUR PROSPECTUS

2026-PROSUPP-3-ERSA III