0000795890-26-000018.txt : 20260424 0000795890-26-000018.hdr.sgml : 20260424 20260424131820 ACCESSION NUMBER: 0000795890-26-000018 CONFORMED SUBMISSION TYPE: N-VPFS PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20260422 FILED AS OF DATE: 20260424 DATE AS OF CHANGE: 20260424 EFFECTIVENESS DATE: 20260424 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SYMETRA RESOURCE VARIABLE ACCOUNT B CENTRAL INDEX KEY: 0000795890 ORGANIZATION NAME: EIN: 910742147 STATE OF INCORPORATION: WA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: N-VPFS SEC ACT: 1940 Act SEC FILE NUMBER: 811-04716 FILM NUMBER: 26892025 BUSINESS ADDRESS: STREET 1: 777 108TH AVE NE STREET 2: SUITE 1200 CITY: BELLEVUE STATE: WA ZIP: 98004 BUSINESS PHONE: 877-796-3862 MAIL ADDRESS: STREET 1: 777 108TH AVE NE STREET 2: SUITE 1200 CITY: BELLEVUE STATE: WA ZIP: 98004 FORMER COMPANY: FORMER CONFORMED NAME: SAFECO RESOURCE VARIABLE ACCOUNT B DATE OF NAME CHANGE: 19920703 0000795890 S000001241 SYMETRA RESOURCE VARIABLE ACCOUNT B C000003376 Spinnaker Plus C000003377 Resource B C000110650 Symetra True Variable Annuity N-VPFS 1 a20251231separateaccountre.htm N-VPFS Document




Annual Report
December 31, 2025
Symetra Resource Variable Account B




TABLE OF CONTENTS
 Page
Report of Independent Registered Public Accounting Firm
Statements of Assets and Liabilities
Current Year Statements of Operations and Changes in Net Assets
Prior Year Statements of Operations and Changes in Net Assets
Notes to Financial Statements:
Note 1. Organization
Note 2. Significant Accounting Policies
Note 3. Expenses and Related Party Transactions
Note 4. Investment Transactions
Note 5. Changes in Accumulation Units Outstanding
Note 6. Accumulation Unit Values
Note 7. Subsequent Events



Symetra Resource Variable Account B
Report of Independent Registered Public Accounting Firm

To the Board of Directors of Symetra Life Insurance Company and the Contract Owners of Symetra Resource Variable Account B:
Opinion on the Financial Statements
We have audited the accompanying statements of assets and liabilities of the subaccounts listed in the Appendix that comprise Symetra Resource Variable Account B (the Subaccounts), as of December 31, 2025, the related statements of operations and changes in net assets for each of the years in the two-year period then ended, and the related notes (collectively, the financial statements). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Subaccounts as of December 31, 2025, and the results of their operations and changes in net assets for each of the years in the two-year period then ended, in conformity with U.S. generally accepted accounting principles.

Basis for Opinion

These financial statements are the responsibility of the Subaccounts' management. Our responsibility is to express an opinion on these financial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Subaccounts in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Such procedures also included confirmation of securities owned as of December 31, 2025, by correspondence with custodians and transfer agents of the underlying investments. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.

/s/ KPMG LLP

We have served as the auditor of the Separate Account since 2020.

Minneapolis, Minnesota
April 22, 2026






















1

Symetra Resource Variable Account B
Report of Independent Registered Public Accounting Firm (continued)

Appendix
AB Discovery Value Portfolio - Class A DWS Global Income Builder VIP A
ALPS/Alerian Energy Infrastructure-Class I Eaton Vance VT Floating-Rate Income Fund Advisor Class
American Funds IS Growth Fund Federated Hermes High Income Bond
American Funds IS Growth-Income Fund Federated Hermes Managed Volatility II
American Funds IS International Fund Fidelity Contrafund
American Funds IS New World Fund Fidelity Energy
BlackRock Capital Appreciation I Fidelity Equity-Income
BlackRock Global Allocation IFidelity Financials Portfolio - Initial Class
BlackRock High Yield IFidelity Government Money Market Portfolio - Initial Class
BNY Mellon Appreciation Fidelity Government Money Market Portfolio – Service Class II
BNY Mellon MidCap Stock Fidelity Growth
BNY Mellon Stock IndexFidelity Growth & Income
BNY Mellon Sustainable U.S. Equity Fidelity Growth Opportunities
BNY Mellon Technology Growth Fidelity Investment Grade Bond
Columbia Income OpportunitiesFidelity Mid Cap I
Columbia VP Overseas Core Fund - Class 1Fidelity Real Estate
Columbia VP Select Mid Cap Growth Fund - Class 1Fidelity Strategic Income
Dimensional VA Global BondFranklin Income VIP Fund - Class 1
Dimensional VA International Small Portfolio Franklin Income VIP Fund - Class 2
Dimensional VA International Value Portfolio Franklin Mutual Global Discovery VIP Fund - Class 1
Dimensional VA Short Term Fixed Portfolio Franklin Mutual Shares VIP Fund - Class 1
Dimensional VA U.S. Large Value PortfolioFranklin Mutual Shares VIP Fund - Class 2
Dimensional VA U.S. Targeted Value Franklin Rising Dividends VIP Fund - Class 1
DWS Alternative Asset Allocation VIP AFranklin Small-Mid Cap Growth VIP Fund - Class 2
DWS CROCI International VIP - Class A Franklin Strategic Income VIP Fund - Class 1
Franklin U.S. Government Securities VIP Fund - Class 1
PIMCO Emerging Markets Bond Institutional Class
2

Symetra Resource Variable Account B
Report of Independent Registered Public Accounting Firm (continued)
Franklin U.S. Government Securities VIP Fund - Class 2
PIMCO Global Bond Opportunities (Unhedged)
– Institutional Class
Invesco American Franchise Fund I PIMCO Low Duration Institutional Class
Invesco EQV International Equity IPIMCO Real Return Institutional Class
Invesco EQV International Equity II PIMCO StocksPLUS Global Portfolio Institutional Class
Invesco Global Real EstatePIMCO Total Return Institutional Class
Janus Henderson Enterprise Portfolio Royce Capital Micro-Cap
Janus Henderson Flexible BondRoyce Capital Small-Cap
Janus Henderson Mid Cap Value PortfolioT. Rowe Price All-Cap Opportunities Portfolio
LVIP American Century Balanced Fund Standard Class IIT. Rowe Price Blue Chip Growth
LVIP American Century International Fund Standard Class IIT. Rowe Price Equity Income Portfolio
LVIP American Century Mid Cap Value Fund Standard Class IIT. Rowe Price Health Sciences Portfolio
LVIP American Century Value Fund Standard Class IIT. Rowe Price International Stock Portfolio
LVIP JPMorgan Mid Cap Value Fund - Standard ClassTVST Touchstone Common Stock Fund
LVIP JPMorgan U.S. Equity Fund - Standard ClassTempleton Developing Markets VIP Fund - Class 2
LVIP Nomura SMID Cap CoreTempleton Global Bond VIP Fund - Class 1
Merger VLTempleton Growth VIP Fund - Class 2
MFS Growth SeriesVanEck Global Resources Fund
MFS New Discovery Series Vanguard Balanced
MFS Utilities SeriesVanguard Capital Growth
MFS International Growth PortfolioVanguard Equity Income
MFS International Intrinsic Value PortfolioVanguard Equity Index
Nomura VIP Emerging Markets Series - Standard ClassVanguard High Yield Bond
Nomura VIP Small Cap Value Series - Standard ClassVanguard International
PIMCO All Asset Institutional ClassVanguard Mid-Cap Index
PIMCO CommodityRealReturn Strat. Institutional ClassVanguard Real Estate Index
PIMCO Dynamic Bond - Institutional ClassVanguard Short Term Investment Grade
Vanguard Small Company GrowthVictory Pioneer Mid Cap Value VCT Class I
3

Symetra Resource Variable Account B
Report of Independent Registered Public Accounting Firm (continued)
Vanguard Total Bond Market Index Victory Pioneer Select Mid Cap Growth VCT Class I
Vanguard Total Stock Market Index Victory Pioneer Strategic Income VCT Class I
Victory Pioneer Bond VCT Class IVictory Pioneer Strategic Income VCT Class II
Victory Pioneer Equity Income VCT Class II Virtus Duff & Phelps Real Estate Securities Series I
Victory Pioneer Fund VCT Class IVirtus KAR Small-Cap Growth Series I
Victory Pioneer High Yield VCT Class II VY JPMorgan Emerging Markets Equity Portfolio Initial






4

Symetra Resource Variable Account B
Statements of Assets and Liabilities
As of December 31, 2025

Sub-AccountNumber of Shares OwnedInvestments at CostInvestments at
Fair Value
Dividends ReceivableNet AssetsAccumulation Units
Outstanding
AB Discovery Value Portfolio - Class A877$13,825 $14,560 $— $14,560 427
ALPS/Alerian Energy Infrastructure-Class I69,268695,640872,086— 872,08642,895
American Funds IS Growth Fund69063,15997,335— 97,3351,350
American Funds IS Growth-Income Fund1,03057,70369,752— 69,7521,381
American Funds IS International Fund84515,92818,876— 18,876923
American Funds IS New World Fund46111,77914,959— 14,959659
BlackRock Capital Appreciation I4,41437,31633,855— 33,855518
BlackRock Global Allocation I3,06248,80154,024— 54,0242,252
BlackRock High Yield I6,58646,57646,631266.00 46,6312,314
BNY Mellon Appreciation1,81163,41260,988— 60,9881,346
BNY Mellon MidCap Stock9,226169,204187,658— 187,6583,924
BNY Mellon Stock Index1,805108,432157,791— 157,7912,035
BNY Mellon Sustainable U.S. Equity2,06580,914120,773— 120,7733,481
BNY Mellon Technology Growth85115,95818,897— 18,897545
Columbia Income Opportunities13,928109,38294,298— 94,2985,084
Columbia VP Overseas Core Fund - Class 145544791— 79129
Columbia VP Select Mid Cap Growth Fund - Class 13,45164,299223,135— 223,1354,938
Dimensional VA Global Bond1,70817,42316,651— 16,6511,419
Dimensional VA International Small Portfolio1,69417,46325,033— 25,033797
Dimensional VA International Value Portfolio1,54119,08628,563— 28,563913
Dimensional VA Short Term Fixed Portfolio28,577291,348287,768— 287,76825,403
Dimensional VA U.S. Large Value Portfolio12,699399,641443,327— 443,32710,356
Dimensional VA U.S. Targeted Value12,618293,793281,112— 281,1126,490
DWS Alternative Asset Allocation VIP A1,92624,47126,409— 26,4091,856
DWS CROCI International VIP - Class A114,332765,8101,191,343— 1,191,34338,118
DWS Global Income Builder VIP A99,7222,170,1012,228,799— 2,228,79940,629
Federated Hermes High Income Bond14,40682,72483,266— 83,2662,135
Federated Hermes Managed Volatility II1,68016,08617,474— 17,474451
Fidelity Contrafund31,8281,579,8631,906,234— 1,906,23424,909
Fidelity Energy4,98087,990135,870— 135,8707,006
Fidelity Equity-Income6,253145,648184,031— 184,0313,269
Fidelity Financials Portfolio - Initial Class37,105488,304760,655— 760,65514,473
Fidelity Government Money Market Portfolio - Initial Class126,459126,459126,459— 126,45910,970
Fidelity Government Money Market Portfolio - Service Class II137,969137,969137,969— 137,96912,824
Fidelity Growth5,757496,112562,463— 562,46310,099
Fidelity Growth & Income1,32931,82044,298— 44,298821
Fidelity Growth Opportunities2,647166,871263,893— 263,8932,894
SEE NOTES TO FINANCIAL STATEMENTS
5

Symetra Resource Variable Account B
Statements of Assets and Liabilities (continued)
As of December 31, 2025

Sub-AccountNumber of Shares OwnedInvestments at CostInvestments at
Fair Value
Dividends ReceivableNet AssetsAccumulation Units
Outstanding
Fidelity Investment Grade Bond56$619 $632 $— $632 50
Fidelity Mid Cap I351,1821,314— 1,31434
Fidelity Real Estate3025,1425,383— 5,383274
Fidelity Strategic Income7,09574,79079,667— 79,6675,038
Franklin Income VIP Fund - Class 11,00615,02116,109— 16,109776
Franklin Income VIP Fund - Class 26,47994,07698,231— 98,2313,595
Franklin Mutual Global Discovery VIP Fund - Class 185115,08117,077— 17,077549
Franklin Mutual Shares VIP Fund - Class 115,669 269,378 260,101— 260,1019,116
Franklin Mutual Shares VIP Fund - Class 28,609144,237138,594— 138,5944,240
Franklin Rising Dividends VIP Fund - Class 111,032313,356326,996— 326,9967,522
Franklin Small-Mid Cap Growth VIP Fund - Class 25,63979,92480,704— 80,7042,698
Franklin Strategic Income VIP Fund - Class 123,503249,623224,454— 224,45415,869
Franklin U.S. Government Securities VIP Fund - Class 11,45115,09215,619— 15,6191,431
Franklin U.S. Government Securities VIP Fund - Class 23,64942,87538,310— 38,3102,377
Invesco American Franchise Fund I2,488153,814201,522— 201,5224,338
Invesco EQV International Equity I5,882202,013212,391— 212,3919,496
Invesco EQV International Equity II1,46750,42451,930— 51,9302,447
Invesco Global Real Estate4,71375,54666,727— 66,7271,809
Janus Henderson Flexible Bond22,400257,420222,432— 222,43217,640
Janus Henderson Mid Cap Value Portfolio2343,6034,161— 4,161137
LVIP American Century Balanced Fund Standard Class II15,727121,127142,244— 142,2444,374
LVIP American Century International Fund Standard Class II19,300209,273236,340— 236,34011,672
LVIP American Century Value Fund Standard Class II32,355377,993417,987— 417,98710,617
LVIP JPMorgan Mid Cap Value Fund - Standard Class36,172375,007325,978— 325,9787,307
LVIP JPMorgan U.S. Equity Fund - Standard Class1,28639,88063,473— 63,4731,216
LVIP Nomura SMID Cap Core1
6,288142,815184,600— 184,6004,937
Merger VL1,54817,14617,513— 17,5131,185
MFS International Growth Portfolio1722,4073,082— 3,082104
MFS International Intrinsic Value Portfolio11,939364,971441,392— 441,39211,818
MFS New Discovery Series68211,64910,633— 10,633290
MFS Utilities Series1,94763,54273,473— 73,4732,489
Nomura VIP Emerging Markets Series - Standard Class1
9,129229,122365,152— 365,15212,472
Nomura VIP Small Cap Value Series - Standard Class1
1,83065,74573,311— 73,3112,276
PIMCO All Asset Institutional Class2111,9212,061— 2,061113
PIMCO CommodityRealReturn Strat. Institutional Class3,41623,349 21,382 — 21,382 2,134
PIMCO Emerging Markets Bond Institutional Class1,67619,467 19,137 — 19,137 1,222
SEE NOTES TO FINANCIAL STATEMENTS
6

Symetra Resource Variable Account B
Statements of Assets and Liabilities (continued)
As of December 31, 2025

Sub-AccountNumber of Shares OwnedInvestments at CostInvestments at
Fair Value
Dividends ReceivableNet AssetsAccumulation Units
Outstanding
PIMCO Global Bond Opportunities (Unhedged) - Institutional Class143$1,434 $1,420 $— $1,420 128
PIMCO Low Duration Institutional Class9,69097,942 94,763 — 94,763 8,112
PIMCO Real Return Institutional Class2,72634,72932,747— 32,7472,716
PIMCO Total Return Institutional Class18,987178,567179,430— 179,43014,076
Royce Capital Small-Cap4,64938,04743,803— 43,8031,637
T. Rowe Price All-Cap Opportunities Portfolio25,885884,0271,026,622— 1,026,62213,234
T. Rowe Price Blue Chip Growth14,564622,536951,491— 951,49113,500
T. Rowe Price Equity Income Portfolio15,935432,288460,688— 460,68812,804
T. Rowe Price Health Sciences Portfolio13,225646,207773,214— 773,21414,491
T. Rowe Price International Stock Portfolio20,798319,501330,696— 330,69614,130
Templeton Developing Markets VIP Fund - Class 21,57713,46719,048— 19,048488
Templeton Global Bond VIP Fund - Class 1176421,75324,696— 24,6962,389
Templeton Growth VIP Fund - Class 2190820,37727,003— 27,0031,013
TVST Touchstone Common Stock Fund8,86296,036114,397— 114,3972,073
VanEck Global Resources Fund10,070256,822337,458— 337,45824,483
Vanguard Balanced20,229462,921514,010— 514,01015,216
Vanguard Capital Growth1,65369,624102,212— 102,2121,476
Vanguard Equity Income170,4383,812,9064,468,894— 4,468,894103,811
Vanguard Equity Index4,506230,631369,349— 369,3496,257
Vanguard High Yield Bond25,660177,167193,738— 193,73810,444
Vanguard International1,84247,78552,626— 52,6261,568
Vanguard Mid-Cap Index3,89979,528109,019— 109,0192,567
Vanguard Real Estate Index28,430342,936 328,946 — 328,946 15,191
Vanguard Short Term Investment Grade47,557490,566507,431— 507,43139,191
Vanguard Small Company Growth1,19020,83822,687— 22,687607
Vanguard Total Bond Market Index38,342410,794414,091— 414,09135,294
Vanguard Total Stock Market Index2,531117,075154,156— 154,1562,754
Victory Pioneer Bond VCT Portfolio Class I1
91,503981,639893,983— 893,98319,091
Victory Pioneer Equity Income VCT Portfolio Class II1
1,24516,26515,392— 15,392395
Victory Pioneer Fund VCT Portfolio Class I1
1,661,62424,456,88032,650,928— 32,650,928102,575
Victory Pioneer High Yield VCT Portfolio Class II1
8046,8166,877— 6,877313
Victory Pioneer Mid Cap Value VCT Portfolio Class I1
168,7471,868,4711,922,022— 1,922,02225,314
Victory Pioneer Select Mid Cap Growth VCT Portfolio Class I1
509,94813,058,66414,956,780— 14,956,78067,406
Victory Pioneer Strategic Income VCT Portfolio Class I1
9,89295,54192,891— 92,8916,191
Victory Pioneer Strategic Income VCT Portfolio Class II1
2,26621,60321,230— 21,2301,113
Virtus Duff & Phelps Real Estate Securities Series I1833,707 3,735 — 3,735 181
SEE NOTES TO FINANCIAL STATEMENTS
7

Symetra Resource Variable Account B
Statements of Assets and Liabilities (continued)
As of December 31, 2025

Sub-AccountNumber of Shares OwnedInvestments at CostInvestments at
Fair Value
Dividends ReceivableNet AssetsAccumulation Units
Outstanding
Virtus KAR Small-Cap Growth Series I1,889$46,493 $31,402 $— $31,402 823
VY JPMorgan Emerging Markets Equity Portfolio Initial1,71025,528 23,571 — 23,571 546

1 Reference Note 1 of the financial statements for additional information pertaining to this sub-account.
.
SEE NOTES TO FINANCIAL STATEMENTS
8

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets
Year Ended December 31, 2025
Sub-AccountNet Assets as of January 1, 2025DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of
December 31, 2025
AB Discovery Value Portfolio - Class A$14,236 $121 $(84)$37 $$1,562 $(1,279)$287 $324 $— $— $ $324 $14,560 
ALPS/Alerian Energy Infrastructure-Class I834,852 41,959 (5,173)36,786 2,202 99,397 (101,151)448 37,234 — —  37,234 872,086 
American Funds IS Growth Fund105,267 250 (618)(368)11,227 8,199 (595)18,831 18,463 3,313 (29,708)(26,395)(7,932)97,335 
American Funds IS Growth-Income Fund59,285 745 (381)364 68 10,308 (273)10,103 10,467 — —  10,467 69,752 
American Funds IS International Fund14,948 272 (100)172 — 3,750 3,756 3,928 — —  3,928 18,876 
American Funds IS New World Fund11,700 186 (79)107 18 530 2,604 3,152 3,259 — —  3,259 14,959 
BlackRock Capital Appreciation I30,399 — (190)(190)(61)3,623 84 3,646 3,456 — —  3,456 33,855 
BlackRock Global Allocation I65,481 1,761 (299)1,462 (1,134)4,043 4,172 7,081 8,543 — (20,000)(20,000)(11,457)54,024 
BlackRock High Yield I27,297 1,858 (166)1,692 (69)104 536 571 2,263 26,949 (9,878)17,071 19,334 46,631 
BNY Mellon Appreciation57,306 212 (717)(505)(306)8,616 (2,863)5,447 4,942 816 (2,076)(1,260)3,682 60,988 
BNY Mellon MidCap Stock200,997 1,376 (2,380)(1,004)(2,173)17,887 467 16,181 15,177 1,533 (30,049)(28,516)(13,339)187,658 
BNY Mellon Stock Index166,619 1,143 (1,861)(718)11,968 8,095 3,169 23,232 22,514 665 (32,007)(31,342)(8,828)157,791 
BNY Mellon Sustainable U.S. Equity105,701 277 (1,382)(1,105)411 8,845 7,207 16,463 15,358 — (286)(286)15,072 120,773 
BNY Mellon Technology Growth14,931 — (205)(205)27 7,095 (2,951)4,171 3,966 — —  3,966 18,897 
Columbia Income Opportunities87,205 1,826 (544)1,282 (279)— 6,090 5,811 7,093 — —  7,093 94,298 
SEE NOTES TO FINANCIAL STATEMENTS
9

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2025

Sub-AccountNet Assets as of January 1, 2025DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of
December 31, 2025
Columbia VP Overseas Core Fund - Class 1$642 $15 $(4)$11 $20 $— $202 $222 $233 $2,840 $(2,924)$(84)$149 $791 
Columbia VP Select Mid Cap Growth Fund - Class 1194,962 — (1,260)(1,260)950 — 28,483 29,433 28,173 — —  28,173 223,135 
Dimensional VA Global Bond31,540 675 (145)530 (889)— 1,254 365 895 19,296 (35,080)(15,784)(14,889)16,651 
Dimensional VA International Small Portfolio26,398 766 (157)609 2,475 927 4,379 7,781 8,390 10,356 (20,111)(9,755)(1,365)25,033 
Dimensional VA International Value Portfolio34,662 1,101 (192)909 9,678 802 885 11,365 12,274 19,318 (37,691)(18,373)(6,099)28,563 
Dimensional VA Short Term Fixed Portfolio287,736 11,979 (1,740)10,239 103 — 217 320 10,559 — (10,527)(10,527)32 287,768 
Dimensional VA U.S. Large Value Portfolio390,193 7,952 (2,447)5,505 852 24,839 27,302 52,993 58,498 9,255 (14,619)(5,364)53,134 443,327 
Dimensional VA U.S. Targeted Value264,925 4,875 (1,568)3,307 (411)22,053 (3,463)18,179 21,486 6,445 (11,744)(5,299)16,187 281,112 
DWS Alternative Asset Allocation VIP A32,866 1,308 (185)1,123 488 — 1,335 1,823 2,946 — (9,403)(9,403)(6,457)26,409 
DWS CROCI International VIP - Class A930,609 29,246 (13,448)15,798 24,033 — 344,137 368,170 383,968 36,110 (159,344)(123,234)260,734 1,191,343 
DWS Global Income Builder VIP A2,090,596 97,290 (26,871)70,419 (43,284)278,541 (17,165)218,092 288,511 92,593 (242,901)(150,308)138,203 2,228,799 
Eaton Vance VT Floating-Rate Income Fund Advisor Class1
5,196 190 (17)173 (214)— 132 (82)91 6,435 (11,722)(5,287)(5,196) 
Federated Hermes High Income Bond83,983 4,979 (1,039)3,940 (1,626)— 3,198 1,572 5,512 3,154 (9,383)(6,229)(717)83,266 
Federated Hermes Managed Volatility II16,662 472 (210)262 (21)288 464 731 993 1,029 (1,210)(181)812 17,474 
Fidelity Contrafund1,736,136 2,497 (15,482)(12,985)73,481 286,941 (11,693)348,729 335,744 88,648 (254,294)(165,646)170,098 1,906,234 
SEE NOTES TO FINANCIAL STATEMENTS
10

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2025

Sub-AccountNet Assets as of January 1, 2025DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of
December 31, 2025
Fidelity Energy$123,604 $2,825 $(768)$2,057 $163 $— $10,046 $10,209 $12,266 $— $— $ $12,266 $135,870 
Fidelity Equity-Income167,261 3,160 (2,174)986 4,266 9,776 12,865 26,907 27,893 665 (11,788)(11,123)16,770 184,031 
Fidelity Financials Portfolio - Initial Class664,391 12,342 (4,198)8,144 1,650 29,202 57,268 88,120 96,264 — —  96,264 760,655 
Fidelity Government Money Market Portfolio - Initial Class122,168 5,036 (745)4,291 — — —  4,291 — —  4,291 126,459 
Fidelity Government Money Market Portfolio - Service Class II156,638 5,569 (1,833)3,736 — — —  3,736 33,416 (55,821)(22,405)(18,669)137,969 
Fidelity Growth558,742 1,549 (6,681)(5,132)19,182 69,213 (20,983)67,412 62,280 242 (58,801)(58,559)3,721 562,463 
Fidelity Growth & Income56,848 641 (595)46 7,155 4,049 (3,929)7,275 7,321 73 (19,944)(19,871)(12,550)44,298 
Fidelity Growth Opportunities227,498 — (2,982)(2,982)5,303 3,763 39,207 48,273 45,291 — (8,896)(8,896)36,395 263,893 
Fidelity Investment Grade Bond551 22 (4)18 — — 18 18 36 2,366 (2,321)45 81 632 
Fidelity Mid Cap I1,139 12 10 134 (8)136 148 4,733 (4,706)27 175 1,314 
Fidelity Real Estate5,158 109 (11)98 (1)50 51 149 2,366 (2,290)76 225 5,383 
Fidelity Strategic Income73,631 2,966 (458)2,508 (15)— 3,543 3,528 6,036 — —  6,036 79,667 
Franklin Income VIP Fund - Class 112,187 643 (79)564 128 848 983 1,547 2,503 (128)2,375 3,922 16,109 
Franklin Income VIP Fund - Class 2105,509 4,783 (1,181)3,602 (870)1,006 6,338 6,474 10,076 1,238 (18,592)(17,354)(7,278)98,231 
Franklin Mutual Global Discovery VIP Fund - Class 114,197 322 (93)229 (9)1,574 1,381 2,946 3,175 60,716 (61,011)(295)2,880 17,077 
SEE NOTES TO FINANCIAL STATEMENTS
11

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2025

Sub-AccountNet Assets as of January 1, 2025DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of
December 31, 2025
Franklin Mutual Shares VIP Fund - Class 1$234,020 $5,574 $(1,466)$4,108 $(49)$24,191 $(2,169)$21,973 $26,081 $— $— $ $26,081 $260,101 
Franklin Mutual Shares VIP Fund - Class 2129,672 2,693 (1,638)1,055 (2,058)13,270 533 11,745 12,800 1,238 (5,116)(3,878)8,922 138,594 
Franklin Rising Dividends VIP Fund - Class 1307,006 3,205 (1,900)1,305 141 29,495 3,300 32,936 34,241 3,786 (18,037)(14,251)19,990 326,996 
Franklin Small-Mid Cap Growth VIP Fund - Class 287,157 — (1,077)(1,077)(1,243)4,954 (1,382)2,329 1,252 786 (8,491)(7,705)(6,453)80,704 
Franklin Strategic Income VIP Fund - Class 1211,356 10,596 (1,305)9,291 (643)5,617 4,976 14,267 2,366 (3,535)(1,169)13,098 224,454 
Franklin U.S. Government Securities VIP Fund - Class 113,798 479 (87)392 17 — 475 492 884 57,876 (56,939)937 1,821 15,619 
Franklin U.S. Government Securities VIP Fund - Class 237,031 1,247 (473)774 (234)— 1,438 1,204 1,978 — (699)(699)1,279 38,310 
Invesco American Franchise Fund I197,102 — (2,404)(2,404)3,683 18,188 (2,298)19,573 17,169 — (12,749)(12,749)4,420 201,522 
Invesco EQV International Equity I183,408 2,900 (1,195)1,705 28 12,871 14,379 27,278 28,983 — —  28,983 212,391 
Invesco EQV International Equity II46,612 613 (634)(21)174 3,347 3,438 6,959 6,938 543 (2,163)(1,620)5,318 51,930 
Invesco Global Real Estate63,557 1,361 (851)510 (350)— 3,956 3,606 4,116 872 (1,818)(946)3,170 66,727 
Janus Henderson Flexible Bond209,499 11,432 (1,296)10,136 (519)— 4,488 3,969 14,105 — (1,172)(1,172)12,933 222,432 
Janus Henderson Mid Cap Value Portfolio3,930 33 (24)9 375 (160)222 231 — —  231 4,161 
LVIP American Century Balanced Fund Standard Class II131,674 2,572 (1,690)882 753 — 9,321 10,074 10,956 1,805 (2,191)(386)10,570 142,244 
LVIP American Century International Fund Standard Class II216,356 2,802 (2,875)(73)938 — 29,599 30,537 30,464 4,608 (15,088)(10,480)19,984 236,340 
SEE NOTES TO FINANCIAL STATEMENTS
12

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2025

Sub-AccountNet Assets as of January 1, 2025DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of
December 31, 2025
LVIP American Century Mid Cap Value Fund Standard Class II1
$4,870 $— $(24)$(24)$(50)$286 $163 $399 $375 $— $(5,245)$(5,245)$(4,870)$ 
LVIP American Century Value Fund Standard Class II372,445 6,445 (2,638)3,807 1,691 30,331 19,432 51,454 55,261 — (9,719)(9,719)45,542 417,987 
LVIP JPMorgan Mid Cap Value Fund - Standard Class321,950 3,627 (2,909)718 (2,139)35,079 (21,563)11,377 12,095 543 (8,610)(8,067)4,028 325,978 
LVIP JPMorgan U.S. Equity Fund - Standard Class59,247 277 (745)(468)1,774 1,738 4,485 7,997 7,529 — (3,303)(3,303)4,226 63,473 
LVIP Nomura SMID Cap Core1
170,607 994 (1,025)(31)218 4,415 9,391 14,024 13,993 — —  13,993 184,600 
Merger VL22,171 790 (124)666 428 593 (79)942 1,608 — (6,266)(6,266)(4,658)17,513 
MFS International Growth Portfolio2,561 26 (17)9 157 354 512 521 — —  521 3,082 
MFS International Intrinsic Value Portfolio337,237 6,199 (2,375)3,824 (343)22,459 83,326 105,442 109,266 2,840 (7,951)(5,111)104,155 441,392 
MFS New Discovery Series9,469 — (59)(59)(35)— 1,258 1,223 1,164 — —  1,164 10,633 
MFS Utilities Series72,725 2,123 (445)1,678 2,325 971 4,863 8,159 9,837 58,878 (67,967)(9,089)748 73,473 
Nomura VIP Emerging Markets Series - Standard Class1
202,656 3,795 (1,535)2,260 20 486 159,730 160,236 162,496 — —  162,496 365,152 
Nomura VIP Small Cap Value Series - Standard Class1
68,148 876 (412)464 (4)4,268 397 4,661 5,125 3,313 (3,275)38 5,163 73,311 
PIMCO All Asset Institutional Class19,032 487 (64)423 (411)— 1,261 850 1,273 21,830 (40,074)(18,244)(16,971)2,061 
PIMCO CommodityRealReturn Strat. Institutional Class18,066 604 (119)485 (32)— 2,863 2,831 3,316 — —  3,316 21,382 
PIMCO Dynamic Bond - Institutional Class1
 — —  — — —   — —    
SEE NOTES TO FINANCIAL STATEMENTS
13

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2025

Sub-AccountNet Assets as of January 1, 2025DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of
December 31, 2025
PIMCO Emerging Markets Bond Institutional Class$22,035 $1,449 $(111)$1,338 $(1,196)$— $2,553 $1,357 $2,695 $35,359 $(40,952)$(5,593)$(2,898)$19,137 
PIMCO Global Bond Opportunities (Unhedged) - Institutional Class1,265 63 (8)55 — — 100 100 155 — —  155 1,420 
PIMCO Low Duration Institutional Class90,208 3,784 (555)3,229 (23)— 1,349 1,326 4,555 — —  4,555 94,763 
PIMCO Real Return Institutional Class32,229 1,162 (201)961 (63)— 1,496 1,433 2,394 — (1,876)(1,876)518 32,747 
PIMCO Total Return Institutional Class165,480 7,329 (1,022)6,307 (182)— 7,788 7,606 13,913 2,366 (2,329)37 13,950 179,430 
Royce Capital Small-Cap38,872 774 (239)535 149 2,975 (75)3,049 3,584 86,814 (85,467)1,347 4,931 43,803 
T. Rowe Price All-Cap Opportunities Portfolio892,378 — (5,666)(5,666)4,277 112,561 27,707 144,545 138,879 — (4,635)(4,635)134,244 1,026,622 
T. Rowe Price Blue Chip Growth820,064 — (5,145)(5,145)8,739 79,390 62,549 150,678 145,533 — (14,106)(14,106)131,427 951,491 
T. Rowe Price Equity Income Portfolio407,373 7,110 (2,575)4,535 84 43,768 7,171 51,023 55,558 — (2,243)(2,243)53,315 460,688 
T. Rowe Price Health Sciences Portfolio659,902 — (4,047)(4,047)1,450 26,040 91,297 118,787 114,740 57,876 (59,304)(1,428)113,312 773,214 
T. Rowe Price International Stock Portfolio282,421 6,180 (1,873)4,307 202 27,142 18,262 45,606 49,913 — (1,638)(1,638)48,275 330,696 
Templeton Developing Markets VIP Fund - Class 229,105 90 (271)(181)3,352 279 3,446 7,077 6,896 — (16,953)(16,953)(10,057)19,048 
Templeton Global Bond VIP Fund - Class 121,358 — (141)(141)— 3,429 3,435 3,294 2,366 (2,322)44 3,338 24,696 
Templeton Growth VIP Fund - Class 246,281 228 (414)(186)(663)1,959 3,947 5,243 5,057 543 (24,878)(24,335)(19,278)27,003 
TVST Touchstone Common Stock Fund97,672 583 (621)(38)145 15,630 988 16,763 16,725 — —  16,725 114,397 
SEE NOTES TO FINANCIAL STATEMENTS
14

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2025

Sub-AccountNet Assets as of January 1, 2025DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of
December 31, 2025
VanEck Global Resources Fund$248,742 $7,249 $(1,713)$5,536 $422 $— $82,758 $83,180 $88,716 $— $— $ $88,716 $337,458 
Vanguard Balanced515,001 9,792 (2,836)6,956 132 41,940 20,394 62,466 69,422 5,291 (75,704)(70,413)(991)514,010 
Vanguard Capital Growth79,723 875 (519)356 222 3,759 18,152 22,133 22,489 — —  22,489 102,212 
Vanguard Equity Income3,908,991 102,131 (24,952)77,179 12,336 310,455 226,511 549,302 626,481 2,840 (69,418)(66,578)559,903 4,468,894 
Vanguard Equity Index317,152 3,569 (2,010)1,559 1,399 6,876 44,003 52,278 53,837 86,814 (88,454)(1,640)52,197 369,349 
Vanguard High Yield Bond179,182 11,878 (1,117)10,761 128 — 4,366 4,494 15,255 — (699)(699)14,556 193,738 
Vanguard International54,494 407 (300)107 (582)2,746 6,282 8,446 8,553 — (10,421)(10,421)(1,868)52,626 
Vanguard Mid-Cap Index98,328 1,272 (622)650 143 5,069 4,829 10,041 10,691 — —  10,691 109,019 
Vanguard Real Estate Index366,960 9,310 (2,076)7,234 (3,401)5,961 (1,926)634 7,868 — (45,882)(45,882)(38,014)328,946 
Vanguard Short Term Investment Grade199,249 20,588 (2,939)17,649 790 — 12,400 13,190 30,839 342,876 (65,533)277,343 308,182 507,431 
Vanguard Small Company Growth21,510 101 (128)(27)(20)1,433 (209)1,204 1,177 — —  1,177 22,687 
Vanguard Total Bond Market Index463,709 14,228 (2,473)11,755 (12,252)— 24,938 12,686 24,441 12,832 (86,891)(74,059)(49,618)414,091 
Vanguard Total Stock Market Index241,425 1,808 (907)901 25,389 8,438 (13,124)20,703 21,604 19,404 (128,277)(108,873)(87,269)154,156 
Victory Pioneer Bond VCT Portfolio Class I1
924,007 41,233 (11,469)29,764 (16,744)— 55,798 39,054 68,818 6,057 (104,899)(98,842)(30,024)893,983 
Victory Pioneer Equity Income VCT Portfolio Class II1
47,493 427 (301)126 (7,245)2,091 5,001 (153)(27)— (32,074)(32,074)(32,101)15,392 
SEE NOTES TO FINANCIAL STATEMENTS
15

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2025

Sub-AccountNet Assets as of January 1, 2025DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of
December 31, 2025
Victory Pioneer Fund VCT Portfolio Class I1
$30,354,132 $137,389 $(385,163)$(247,774)$959,290 $4,110,557 $1,344,082 $6,413,929 $6,166,155 $14,872 $(3,884,231)$(3,869,359)$2,296,796 $32,650,928 
Victory Pioneer High Yield VCT Portfolio Class II1
18,384 601 (130)471 (1,135)— 1,031 (104)367 — (11,874)(11,874)(11,507)6,877 
Victory Pioneer Mid Cap Value VCT Portfolio Class I1
1,948,815 38,739 (23,695)15,044 (251,667)150,394 257,697 156,424 171,468 140,002 (338,263)(198,261)(26,793)1,922,022 
Victory Pioneer Select Mid Cap Growth VCT Portfolio Class I1
13,816,937 — (179,974)(179,974)293,552 1,546,622 860,891 2,701,065 2,521,091 4,793 (1,386,041)(1,381,248)1,139,843 14,956,780 
Victory Pioneer Strategic Income VCT Portfolio Class I1
66,406 3,321 (431)2,890 (48)— 4,143 4,095 6,985 19,500 — 19,500 26,485 92,891 
Victory Pioneer Strategic Income VCT Portfolio Class II1
47,698 1,541 (436)1,105 (3,292)— 5,373 2,081 3,186 — (29,654)(29,654)(26,468)21,230 
Virtus Duff & Phelps Real Estate Securities Series I3,732 111 (34)77 — 17 (91)(74)3 — —  3 3,735 
Virtus KAR Small-Cap Growth Series I40,734 — (217)(217)(50)7,472 (16,537)(9,115)(9,332)— —  (9,332)31,402 
VY JPMorgan Emerging Markets Equity Portfolio Initial18,321 211 (266)(55)(291)4,878 2,287 6,874 6,819 — (1,569)(1,569)5,250 23,571 

1 Reference Note 1 of the financial statements for additional information pertaining to this sub-account.

SEE NOTES TO FINANCIAL STATEMENTS
16

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets
Year Ended December 31, 2024
Sub-AccountNet Assets as of January 1, 2024DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of December 31, 2024
AB Discovery Value Portfolio - Class A$13,017 $120 $(82)$38 $$684 $488 $1,181 $1,219 $— $— $ $1,219 $14,236 
ALPS/Alerian Energy Infrastructure-Class I595,543 32,138 (4,289)27,849 1,501 23,510 186,449 211,460 239,309 — —  239,309 834,852 
American Funds IS Growth Fund100,875 600 (648)(48)10,211 2,474 16,582 29,267 29,219 3,564 (28,391)(24,827)4,392 105,267 
American Funds IS Growth-Income Fund50,312 747 (337)410 503 2,440 8,345 11,288 11,698 — (2,725)(2,725)8,973 59,285 
American Funds IS International Fund14,545 223 (94)129 — — 274 274 403 — —  403 14,948 
American Funds IS New World Fund11,017 192 (71)121 10 53 499 562 683 — —  683 11,700 
BlackRock Capital Appreciation I23,120 — (165)(165)10,236 (2,796)7,444 7,279 — —  7,279 30,399 
BlackRock Global Allocation I88,128 897 (545)352 (2,083)4,300 5,434 7,651 8,003 — (30,650)(30,650)(22,647)65,481 
BlackRock High Yield I42,624 2,186 (192)1,994 (928)— 1,199 271 2,265 2,546 (20,138)(17,592)(15,327)27,297 
BNY Mellon Appreciation52,428 238 (707)(469)(125)3,976 2,562 6,413 5,944 875 (1,941)(1,066)4,878 57,306 
BNY Mellon MidCap Stock194,640 1,665 (2,521)(856)323 2,847 18,873 22,043 21,187 1,629 (16,459)(14,830)6,357 200,997 
BNY Mellon Stock Index163,848 1,434 (1,986)(552)7,285 9,617 15,452 32,354 31,802 706 (29,737)(29,031)2,771 166,619 
BNY Mellon Sustainable U.S. Equity85,908 520 (1,247)(727)325 619 19,836 20,780 20,053 — (260)(260)19,793 105,701 
BNY Mellon Technology Growth12,024 — (174)(174)73 — 3,008 3,081 2,907 — —  2,907 14,931 
Columbia Income Opportunities82,844 4,790 (515)4,275 (288)— 374 86 4,361 — —  4,361 87,205 
SEE NOTES TO FINANCIAL STATEMENTS
17

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2024

Sub-AccountNet Assets as of January 1, 2024DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of December 31, 2024
Columbia VP Overseas Core Fund - Class 1$844 $38 $(4)$34 $14 $— $(18)$(4)$30 $3,055 $(3,287)$(232)$(202)$642 
Columbia VP Select Mid Cap Growth Fund - Class 1158,593 — (1,063)(1,063)748 — 36,684 37,432 36,369 — —  36,369 194,962 
Dimensional VA Global Bond32,860 1,515 (192)1,323 (365)— 520 155 1,478 14,775 (17,573)(2,798)(1,320)31,540 
Dimensional VA International Small Portfolio25,508 921 (161)760 23 720 (688)55 815 7,880 (7,805)75 890 26,398 
Dimensional VA International Value Portfolio33,535 1,394 (212)1,182 472 720 (379)813 1,995 14,775 (15,643)(868)1,127 34,662 
Dimensional VA Short Term Fixed Portfolio298,759 13,897 (1,756)12,141 — 1,601 1,610 13,751 — (24,774)(24,774)(11,023)287,736 
Dimensional VA U.S. Large Value Portfolio346,834 7,947 (2,299)5,648 425 40,042 (2,091)38,376 44,024 7,980 (8,645)(665)43,359 390,193 
Dimensional VA U.S. Targeted Value246,791 3,654 (1,538)2,116 (46)17,801 (1,423)16,332 18,448 4,925 (5,239)(314)18,134 264,925 
DWS Alternative Asset Allocation VIP A40,643 1,425 (231)1,194 122 22 597 741 1,935 — (9,712)(9,712)(7,777)32,866 
DWS CROCI International VIP - Class A1,029,488 33,738 (12,662)21,076 (14,820)— 8,091 (6,729)14,347 2,520 (115,746)(113,226)(98,879)930,609 
DWS Global Income Builder VIP A2,014,443 72,625 (26,356)46,269 (3,394)— 112,129 108,735 155,004 6,713 (85,564)(78,851)76,153 2,090,596 
Eaton Vance VT Floating-Rate Income Fund Advisor Class1
4,710 405 (30)375 (1)— (27)(28)347 4,925 (4,786)139 486 5,196 
Federated Hermes High Income Bond71,227 3,842 (961)2,881 (1,698)— 2,503 805 3,686 20,074 (11,004)9,070 12,756 83,983 
Federated Hermes Managed Volatility II15,122 352 (204)148 (55)— 2,024 1,969 2,117 596 (1,173)(577)1,540 16,662 
Fidelity Contrafund1,452,919 3,089 (15,022)(11,933)101,562 195,574 174,749 471,885 459,952 82,595 (259,330)(176,735)283,217 1,736,136 
SEE NOTES TO FINANCIAL STATEMENTS
18

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2024

Sub-AccountNet Assets as of January 1, 2024DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of December 31, 2024
Fidelity Energy$119,229 $2,947 $(781)$2,166 $181 $— $2,028 $2,209 $4,375 $— $— $ $4,375 $123,604 
Fidelity Equity-Income148,861 2,960 (2,062)898 1,924 9,628 8,317 19,869 20,767 1,042 (3,409)(2,367)18,400 167,261 
Fidelity Financials Portfolio - Initial Class503,596 10,309 (3,487)6,822 1,047 21,913 131,013 153,973 160,795 — —  160,795 664,391 
Fidelity Government Money Market Portfolio - Initial Class116,940 5,952 (724)5,228 — — —  5,228 — —  5,228 122,168 
Fidelity Government Money Market Portfolio - Service Class II203,623 8,143 (2,161)5,982 — — —  5,982 559 (53,526)(52,967)(46,985)156,638 
Fidelity Growth441,408 (6,621)(6,616)7,360 116,824 9,490 133,674 127,058 256 (9,980)(9,724)117,334 558,742 
Fidelity Growth & Income50,054 798 (697)101 1,411 3,627 5,107 10,145 10,246 77 (3,529)(3,452)6,794 56,848 
Fidelity Growth Opportunities286,842 — (3,339)(3,339)81,528 — 11,912 93,440 90,101 424 (149,869)(149,445)(59,344)227,498 
Fidelity Investment Grade Bond680 20 (4)16 — — (13)(13)3 2,546 (2,678)(132)(129)551 
Fidelity Mid Cap I1,422 (8)(2)133 149 (66)216 214 5,092 (5,589)(497)(283)1,139 
Fidelity Real Estate5,141 209 (31)178 — 82 91 269 2,546 (2,798)(252)17 5,158 
Fidelity Strategic Income69,834 2,678 (435)2,243 (26)— 1,580 1,554 3,797 — —  3,797 73,631 
Franklin Income VIP Fund - Class 11,404 654 (56)598 30 51 235 316 914 11,392 (1,523)9,869 10,783 12,187 
Franklin Income VIP Fund - Class 2120,111 5,511 (1,338)4,173 (693)451 1,984 1,742 5,915 1,245 (21,762)(20,517)(14,602)105,509 
Franklin Mutual Global Discovery VIP Fund - Class 113,319 275 (85)190 1,007 (604)407 597 55,376 (55,095)281 878 14,197 
SEE NOTES TO FINANCIAL STATEMENTS
19

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2024

Sub-AccountNet Assets as of January 1, 2024DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of December 31, 2024
Franklin Mutual Shares VIP Fund - Class 1$211,164 $5,009 $(1,375)$3,634 $(67)$4,628 $14,661 $19,222 $22,856 $— $— $ $22,856 $234,020 
Franklin Mutual Shares VIP Fund - Class 2123,128 2,541 (1,600)941 (1,154)2,643 9,285 10,774 11,715 1,245 (6,416)(5,171)6,544 129,672 
Franklin Rising Dividends VIP Fund - Class 1291,987 3,660 (1,862)1,798 (117)14,167 14,243 28,293 30,091 4,073 (19,145)(15,072)15,019 307,006 
Franklin Small-Mid Cap Growth VIP Fund - Class 288,546 — (1,102)(1,102)(1,815)— 11,183 9,368 8,266 834 (10,489)(9,655)(1,389)87,157 
Franklin Strategic Income VIP Fund - Class 1213,287 9,375 (1,261)8,114 (2,897)— 2,283 (614)7,500 4,224 (13,655)(9,431)(1,931)211,356 
Franklin U.S. Government Securities VIP Fund - Class 111,993 425 (78)347 — (215)(208)139 52,321 (50,655)1,666 1,805 13,798 
Franklin U.S. Government Securities VIP Fund - Class 239,128 1,186 (485)701 (545)— (87)(632)69 — (2,166)(2,166)(2,097)37,031 
Invesco American Franchise Fund I151,414 — (2,240)(2,240)1,452 — 50,598 52,050 49,810 — (4,122)(4,122)45,688 197,102 
Invesco EQV International Equity I183,389 3,351 (1,144)2,207 (2)996 (3,182)(2,188)19 — —  19 183,408 
Invesco EQV International Equity II48,369 776 (627)149 28 269 (878)(581)(432)578 (1,903)(1,325)(1,757)46,612 
Invesco Global Real Estate68,700 1,723 (853)870 (676)— (1,982)(2,658)(1,788)899 (4,254)(3,355)(5,143)63,557 
Janus Henderson Enterprise Portfolio — —  — — —   — —    
Janus Henderson Flexible Bond208,383 10,284 (1,260)9,024 (613)— (5,658)(6,271)2,753 1,648 (3,285)(1,637)1,116 209,499 
Janus Henderson Mid Cap Value Portfolio3,496 38 (23)15 192 220 419 434 — —  434 3,930 
LVIP American Century Balanced Fund Standard Class II122,648 2,642 (1,614)1,028 1,119 — 10,701 11,820 12,848 1,795 (5,617)(3,822)9,026 131,674 
SEE NOTES TO FINANCIAL STATEMENTS
20

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2024

Sub-AccountNet Assets as of January 1, 2024DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of December 31, 2024
LVIP American Century International Fund Standard Class II$217,840 $3,656 $(2,854)$802 $561 $— $1,636 $2,197 $2,999 $1,914 $(6,397)$(4,483)$(1,484)$216,356 
LVIP American Century Mid Cap Value Fund Standard Class II1
4,506 122 (28)94 (4)222 52 270 364 — —  364 4,870 
LVIP American Century Value Fund Standard Class II353,096 10,762 (2,555)8,207 3,065 20,466 (1,864)21,667 29,874 — (10,525)(10,525)19,349 372,445 
LVIP JPMorgan Mid Cap Value Fund - Standard Class286,989 3,933 (2,822)1,111 (370)48,901 (11,741)36,790 37,901 578 (3,518)(2,940)34,961 321,950 
LVIP JPMorgan U.S. Equity Fund - Standard Class50,484 293 (715)(422)1,502 2,504 7,705 11,711 11,289 — (2,526)(2,526)8,763 59,247 
LVIP Macquarie Smid Cap Core149,604 1,004 (972)32 190 7,625 13,156 20,971 21,003 — —  21,003 170,607 
Macquarie VIP Emerging Markets Series - Standard Class194,011 5,436 (1,268)4,168 (238)— 4,715 4,477 8,645 — —  8,645 202,656 
Macquarie VIP Small Cap Value Series - Standard Class61,868 872 (396)476 2,407 3,689 6,100 6,576 3,564 (3,860)(296)6,280 68,148 
Merger VL27,996 386 (155)231 298 255 (92)461 692 — (6,517)(6,517)(5,825)22,171 
MFS International Growth Portfolio2,364 25 (15)10 (1)180 187 197 — —  197 2,561 
MFS International Intrinsic Value Portfolio316,600 4,640 (2,056)2,584 (410)14,962 3,770 18,322 20,906 3,055 (3,324)(269)20,637 337,237 
MFS New Discovery Series8,926 — (56)(56)(39)— 638 599 543 — —  543 9,469 
MFS Utilities Series69,772 1,739 (452)1,287 1,718 2,146 3,217 7,081 8,368 58,017 (63,432)(5,415)2,953 72,725 
PIMCO All Asset Institutional Class17,484 1,221 (113)1,108 (6)— (495)(501)607 16,745 (15,804)941 1,548 19,032 
PIMCO CommodityRealReturn Strat. Institutional Class17,420 427 (108)319 (40)— 367 327 646 — —  646 18,066 
SEE NOTES TO FINANCIAL STATEMENTS
21

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2024

Sub-AccountNet Assets as of January 1, 2024DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of December 31, 2024
PIMCO Dynamic Bond - Institutional Class$7,995 $21 $$23 $(1,007)$— $980 $(27)$(4)$— $(7,991)$(7,991)$(7,995)$ 
PIMCO Emerging Markets Bond Institutional Class20,106 1,390 (128)1,262 (54)— 234 180 1,442 31,085 (30,598)487 1,929 22,035 
PIMCO Global Bond Opportunities (Unhedged) - Institutional Class1,277 47 (7)40 — — (52)(52)(12)— —  (12)1,265 
PIMCO Low Duration Institutional Class86,721 3,650 (534)3,116 (29)— 400 371 3,487 — —  3,487 90,208 
PIMCO Real Return Institutional Class31,699 886 (195)691 (16)— (145)(161)530 — —  530 32,229 
PIMCO StocksPLUS Global Portfolio Institutional Class — —  — — —   — —    
PIMCO Total Return Institutional Class169,801 6,886 (996)5,890 (1,709)— (899)(2,608)3,282 2,546 (10,149)(7,603)(4,321)165,480 
Pioneer Bond VCT Class I975,136 42,699 (11,969)30,730 (14,951)— 2,021 (12,930)17,800 11,225 (80,154)(68,929)(51,129)924,007 
Pioneer Equity Income VCT Class II43,916 882 (564)318 (3,167)8,326 (1,434)3,725 4,043 3,056 (3,522)(466)3,577 47,493 
Pioneer Fund VCT Class I27,746,712 220,414 (388,046)(167,632)353,143 1,515,213 4,102,797 5,971,153 5,803,521 66,521 (3,262,622)(3,196,101)2,607,420 30,354,132 
Pioneer High Yield VCT Class II15,708 952 (216)736 (31)— 491 460 1,196 1,480 — 1,480 2,676 18,384 
Pioneer Mid Cap Value VCT Class I1,971,681 38,085 (25,214)12,871 (164,789)116,896 223,897 176,004 188,875 3,032 (214,773)(211,741)(22,866)1,948,815 
Pioneer Select Mid Cap Growth VCT Class I12,383,338 — (168,464)(168,464)59,514 — 2,798,234 2,857,748 2,689,284 18,823 (1,274,508)(1,255,685)1,433,599 13,816,937 
Pioneer Strategic Income VCT Class I72,220 2,821 (398)2,423 (1,346)— 1,167 (179)2,244 — (8,058)(8,058)(5,814)66,406 
Pioneer Strategic Income VCT Class II45,842 1,883 (586)1,297 (287)— 196 (91)1,206 1,681 (1,031)650 1,856 47,698 
SEE NOTES TO FINANCIAL STATEMENTS
22

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2024

Sub-AccountNet Assets as of January 1, 2024DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of December 31, 2024
Royce Capital Small-Cap$37,208 $469 $(229)$240 $67 $1,584 $(822)$829 $1,069 $78,481 $(77,886)$595 $1,664 $38,872 
T. Rowe Price All-Cap Opportunities Portfolio720,391 630 (5,048)(4,418)3,515 97,364 79,105 179,984 175,566 — (3,579)(3,579)171,987 892,378 
T. Rowe Price Blue Chip Growth618,858 — (4,483)(4,483)8,180 33,018 177,574 218,772 214,289 — (13,083)(13,083)201,206 820,064 
T. Rowe Price Equity Income Portfolio368,583 7,351 (2,419)4,932 109 26,483 9,085 35,677 40,609 — (1,819)(1,819)38,790 407,373 
T. Rowe Price Health Sciences Portfolio655,175 — (4,247)(4,247)2,013 58,043 (48,867)11,189 6,942 52,321 (54,536)(2,215)4,727 659,902 
T. Rowe Price International Stock Portfolio276,439 2,741 (1,745)996 22 7,094 (819)6,297 7,293 — (1,311)(1,311)5,982 282,421 
Templeton Developing Markets VIP Fund - Class 226,648 1,155 (365)790 304 222 386 912 1,702 1,535 (780)755 2,457 29,105 
Templeton Global Bond VIP Fund - Class 124,307 — (139)(139)— (2,690)(2,687)(2,826)2,546 (2,669)(123)(2,949)21,358 
Templeton Growth VIP Fund - Class 245,189 456 (600)(144)(572)156 2,385 1,969 1,825 1,989 (2,722)(733)1,092 46,281 
TVST Touchstone Common Stock Fund80,889 603 (547)56 102 6,637 9,988 16,727 16,783 — —  16,783 97,672 
VanEck Global Resources Fund257,543 6,848 (1,588)5,260 309 — (14,370)(14,061)(8,801)— —  (8,801)248,742 
Vanguard Balanced448,929 10,975 (2,948)8,027 (143)23,736 32,178 55,771 63,798 9,769 (7,495)2,274 66,072 515,001 
Vanguard Capital Growth72,086 872 (476)396 770 1,594 6,373 8,737 9,133 — (1,496)(1,496)7,637 79,723 
Vanguard Equity Income3,442,721 106,093 (22,576)83,517 5,198 223,650 183,026 411,874 495,391 4,197 (33,318)(29,121)466,270 3,908,991 
Vanguard Equity Index257,173 3,734 (1,768)1,966 921 10,675 48,198 59,794 61,760 78,481 (80,262)(1,781)59,979 317,152 
SEE NOTES TO FINANCIAL STATEMENTS
23

Symetra Resource Variable Account B
Statements of Operations and Changes in Net Assets (continued)
Year Ended December 31, 2024

Sub-AccountNet Assets as of January 1, 2024DividendsMortality and Expense Risk ChargeNet Investment Income (Loss)Realized Gain (Loss) on InvestmentsNet Realized Capital Gain Distributions ReceivedNet Change in Unrealized Appreciation/DepreciationNet Gain (Loss) on InvestmentsNet Increase (Decrease) in Net Assets Resulting from OperationsContract Purchase Payments and Transfers InContract Terminations, Transfers and Maintenance ChargesIncrease (Decrease) in Net Assets from Contract TransactionsTotal Increase (Decrease) In Net AssetsNet Assets
as of December 31, 2024
Vanguard High Yield Bond$169,976 $9,705 $(1,054)$8,651 $102 $— $1,096 $1,198 $9,849 $— $(643)$(643)$9,206 $179,182 
Vanguard International50,637 646 (327)319 (47)1,710 2,243 3,906 4,225 — (368)(368)3,857 54,494 
Vanguard Mid-Cap Index85,965 1,275 (562)713 105 1,062 10,483 11,650 12,363 — —  12,363 98,328 
Vanguard Real Estate Index354,155 11,186 (2,170)9,016 (241)9,437 (3,730)5,466 14,482 1,226 (2,903)(1,677)12,805 366,960 
Vanguard Short Term Investment Grade70,529 2,609 (507)2,102 470 — 888 1,358 3,460 185,026 (59,766)125,260 128,720 199,249 
Vanguard Small Company Growth19,430 109 (124)(15)(16)— 2,111 2,095 2,080 — —  2,080 21,510 
Vanguard Total Bond Market Index460,521 12,836 (2,794)10,042 (564)— (6,541)(7,105)2,937 9,850 (9,599)251 3,188 463,709 
Vanguard Total Stock Market Index272,996 3,757 (1,791)1,966 13,789 20,597 27,378 61,764 63,730 14,775 (110,076)(95,301)(31,571)241,425 
Virtus Duff & Phelps Real Estate Securities Series I3,378 83 (21)62 (1)40 253 292 354 — —  354 3,732 
Virtus KAR Small-Cap Growth Series I37,256 — (233)(233)(4)3,106 609 3,711 3,478 — —  3,478 40,734 
VY JPMorgan Emerging Markets Equity Portfolio Initial19,375 209 (249)(40)(532)— 796 264 224 — (1,278)(1,278)(1,054)18,321 
1 Reference Note 1 of the financial statements for additional information pertaining to this sub-account.
SEE NOTES TO FINANCIAL STATEMENTS
24

Symetra Resource Variable Account B
Notes to Financial Statements
1.ORGANIZATION
Symetra Resource Variable Account B (the "Separate Account") is registered under the Investment Company Act of 1940, as amended, as a segregated unit investment trust of Symetra Life Insurance Company ("Symetra Life"), a wholly-owned subsidiary of Symetra Financial Corporation. Purchasers of various Symetra Life variable annuity products direct their investment to one or more of the sub-accounts of the Separate Account through the purchase of accumulation units ("Units"). Under the terms of the registration, the Separate Account is authorized to issue an unlimited number of Units. Each sub-account invests in shares of a designated portfolio of open-ended registered investment companies ("Mutual Funds") as indicated below. Not all sub-accounts are available in all Symetra Life variable annuity products. The performance of the underlying portfolios may differ substantially from publicly traded Mutual Funds with similar names and objectives.
Under applicable insurance law, the assets of the Separate Account are legally segregated and are not subject to claims that arise out of Symetra Life's and Symetra Financial Corporation's other business activities.
The Statements of Operations and Changes in Net Assets are reported for the years or periods ended December 31, 2025 and December 31, 2024 for the following sub-accounts, except as noted in the footnotes to the table below.
Following are the sub-accounts and related Mutual Funds.
Sub-Account Mutual Fund
  AllianceBernstein Variable Products Fund Series, Inc.
AB Discovery Value Portfolio - Class A AB Discovery Value Portfolio — Class A
Alps Variable Investment Trust
ALPS/Alerian Energy Infrastructure-Class IALPS/Alerian Energy Infrastructure Portfolio — Class I
American Funds Insurance Series
American Funds IS Growth FundAmerican Funds Insurance Series Growth Fund
American Funds IS Growth-Income FundAmerican Funds Insurance Series Growth-Income Fund
American Funds IS International FundAmerican Funds Insurance Series International Fund
American Funds IS New World FundAmerican Funds Insurance Series New World Fund
  BlackRock Variable Series Fund, Inc.
BlackRock Capital Appreciation I BlackRock Capital Appreciation V.I. Fund Class I
BlackRock Global Allocation I BlackRock Global Allocation V.I. Fund Class I
BlackRock High Yield I BlackRock High Yield V.I. Fund Class I
 BNY Mellon Variable Investment Fund
BNY Mellon AppreciationBNY Mellon VIF Appreciation Portfolio — Initial Shares
BNY Mellon Investment Portfolios
BNY Mellon MidCap StockBNY Mellon IP MidCap Stock Portfolio — Initial Shares
 BNY Mellon Stock Index Fund, Inc.
BNY Mellon Stock IndexBNY Mellon Stock Index Fund, Inc. — Service Shares
 BNY Mellon Sustainable U.S. Equity Fund, Inc.
BNY Mellon Sustainable U.S. EquityBNY Mellon Sustainable U.S. Equity Fund, Inc. — Initial Shares
BNY Mellon Investment Portfolios
BNY Mellon Technology GrowthBNY Mellon IP Technology Growth Portfolio — Initial Shares
25

Symetra Resource Variable Account B
Notes to Financial Statements
1.    ORGANIZATION (continued)
Sub-Account Mutual Fund
  Columbia Funds Variable Insurance Trust
Columbia Income Opportunities Columbia VP Income Opportunities Fund — Class I
Columbia VP Overseas Core Fund - Class 1 Columbia VP Overseas Core Fund - Class 1
Columbia VP Select Mid Cap Growth Fund - Class 1Columbia VP Select Mid Cap Growth Fund — Class 1
  Dimensional Fund Advisors
Dimensional VA Global Bond V.A. Global Bond Portfolio
Dimensional VA International Small Portfolio V.A. International Small Portfolio
Dimensional VA International Value Portfolio V.A. International Value Portfolio
Dimensional VA Short Term Fixed Portfolio V.A. Short Term Fixed Portfolio
Dimensional VA U.S. Large Value Portfolio V.A. U.S. Large Value Portfolio
Dimensional VA U.S. Targeted Value V.A. U.S. Targeted Value
 DWS Variable Series I and II
DWS Alternative Asset Allocation VIP ADWS Alternative Asset Allocation VIP — Class A Shares
DWS CROCI International VIP - Class ADWS CROCI International VIP — Class A Shares
DWS Global Income Builder VIP ADWS Global Income Builder VIP — Class A Shares
Eaton Vance
Eaton Vance VT Floating-Rate Income Fund Advisor Class14
Eaton Vance VT Floating-Rate Income Fund Advisor Share Class
 Federated Insurance Series
Federated Hermes High Income BondFederated Hermes High Income Bond
Federated Hermes Managed Volatility IIFederated Hermes Managed Volatility Fund II
 Fidelity Variable Insurance Products Fund 1 (VIP)
Fidelity ContrafundVIP Contrafund Portfolio — Initial Class
Fidelity EnergyVIP Energy Portfolio — Initial Class
Fidelity Equity-IncomeVIP Equity-Income Portfolio — Initial Class
Fidelity Financials Portfolio - Initial ClassVIP Financials Portfolio — Initial Class
Fidelity Government Money Market Portfolio - Initial ClassVIP Government Money Market Portfolio — Initial Class
Fidelity Government Money Market Portfolio - Service Class IIVIP Government Money Market Portfolio — Service Class II
Fidelity GrowthVIP Growth Portfolio — Initial Class
Fidelity Growth & IncomeVIP Growth & Income Portfolio — Initial Class
Fidelity Growth OpportunitiesVIP Growth Opportunities Portfolio — Initial Class
Fidelity Investment Grade BondVIP Investment Grade Bond Portfolio — Initial Class
Fidelity Mid Cap IVIP Mid Cap Portfolio — Initial Class
Fidelity Real EstateVIP Real Estate Portfolio — Initial Class
Fidelity Strategic IncomeVIP Strategic Income Portfolio — Initial Class
 Franklin Templeton Variable Insurance Products Trust
Franklin Income VIP Fund - Class 1Franklin Income VIP Fund - Class 1
Franklin Income VIP Fund - Class 2Franklin Income VIP Fund - Class 2
Franklin Mutual Global Discovery VIP Fund - Class 1Franklin Mutual Global Discovery VIP Fund - Class 1
Franklin Mutual Shares VIP Fund - Class 1Franklin Mutual Shares VIP Fund - Class 1
26

Symetra Resource Variable Account B
Notes to Financial Statements
1.    ORGANIZATION (continued)
Sub-Account Mutual Fund
Franklin Templeton Variable Insurance Products Trust
Franklin Mutual Shares VIP Fund - Class 2Franklin Mutual Shares VIP Fund - Class 2
Franklin Rising Dividends VIP Fund - Class 1Franklin Rising Dividends VIP Fund - Class 1
Franklin Small-Mid Cap Growth VIP Fund - Class 2Franklin Small-Mid Cap Growth VIP Fund - Class 2
Franklin Strategic Income VIP Fund - Class 1Franklin Strategic Income VIP Fund - Class 1
Franklin U.S. Government Securities VIP Fund - Class 1Franklin U.S. Government Securities VIP Fund - Class 1
Franklin U.S. Government Securities VIP Fund - Class 2Franklin U.S. Government Securities VIP Fund - Class 2
Invesco Variable Insurance Funds, Inc
Invesco American Franchise Fund IInvesco V.I. American Franchise Fund - Series I
Invesco EQV International Equity IInvesco V.I. EQV International Equity Fund - Series I
Invesco EQV International Equity IIInvesco V.I. EQV International Equity Fund - Series II
Invesco Global Real EstateInvesco V.I. Global Real Estate Fund - Series I
 Janus Aspen Series
Janus Henderson Enterprise Portfolio13
Janus Henderson Enterprise Portfolio — Institutional Shares
Janus Henderson Flexible BondJanus Henderson Flexible Bond Portfolio — Institutional Shares
Janus Henderson Mid Cap Value PortfolioJanus Henderson Mid Cap Value Portfolio — Institutional Shares
Lincoln Investment Advisors
LVIP American Century Balanced Fund Standard Class IILVIP American Century Balanced Fund Standard Class II
LVIP American Century International Fund Standard Class IILVIP American Century International Fund Standard Class II
LVIP American Century Mid Cap Value Fund Standard Class II14
LVIP American Century Mid Cap Value Fund Standard Class II
LVIP American Century Value Fund Standard Class IILVIP American Century Value Fund Standard Class II
LVIP JPMorgan Mid Cap Value Fund - Standard ClassLVIP JPMorgan Mid Cap Value Fund - Standard Class
LVIP JPMorgan U.S. Equity Fund - Standard ClassLVIP JPMorgan U.S. Equity Fund - Standard Class
LVIP Nomura SMID Cap Core9
LVIP Nomura SMID Cap Core Fund - Standard Class
Merger Fund VL
Merger VLThe Merger Fund VL
 MFS Variable Insurance Trust
MFS Growth Series12
MFS Growth Series — Initial Class
MFS New Discovery SeriesMFS New Discovery Series — Initial Class
MFS Utilities Series MFS Utilities Series — Initial Class
MFS Variable Insurance Trust
MFS International Growth PortfolioMFS International Growth Portfolio — Initial Class
MFS International Intrinsic Value PortfolioMFS International Intrinsic Value Portfolio — Initial Class
Nomura Asset Management
Nomura VIP Emerging Markets Series - Standard Class10
Nomura VIP Emerging Markets Series - Standard Class
Nomura VIP Small Cap Value Series - Standard Class11
Nomura VIP Small Cap Value Series - Standard Class
27

Symetra Resource Variable Account B
Notes to Financial Statements
1.    ORGANIZATION (continued)
Sub-Account Mutual Fund
PIMCO Variable Insurance Trust
PIMCO All Asset Institutional ClassPIMCO All Asset Portfolio — Institutional Class
PIMCO CommodityRealReturn Strat. Institutional ClassPIMCO CommodityRealReturn® Strategy Portfolio — Institutional Class
PIMCO Dynamic Bond - Institutional Class13
PIMCO Dynamic Bond Portfolio— Institutional Class
PIMCO Emerging Markets Bond Institutional ClassPIMCO Emerging Markets Bond Portfolio — Institutional Class
PIMCO Global Bond Opportunities (Unhedged) - Institutional ClassPIMCO Global Bond Opportunities Portfolio (Unhedged) — Institutional Class
PIMCO Low Duration Institutional ClassPIMCO Low Duration Portfolio — Institutional Class
PIMCO Real Return Institutional ClassPIMCO Real Return Portfolio — Institutional Class
PIMCO StocksPLUS Global Portfolio Institutional Class12
PIMCO StocksPLUS Global Portfolio — Institutional Class
PIMCO Total Return Institutional ClassPIMCO Total Return Portfolio — Institutional Class
Royce Capital Fund
Royce Capital Micro-Cap12
Royce Capital Fund Micro-Cap Portfolio Investment Class
Royce Capital Small-CapRoyce Capital Fund Small-Cap Portfolio Investment Class
T. Rowe Price Variable Insurance Portfolios
T. Rowe Price All-Cap Opportunities PortfolioT. Rowe Price All-Cap Opportunities Portfolio
T. Rowe Price Blue Chip GrowthT. Rowe Price Blue Chip Growth
T. Rowe Price Equity Income PortfolioT. Rowe Price Equity Income Portfolio
T. Rowe Price Health Sciences PortfolioT. Rowe Price Health Sciences Portfolio
T. Rowe Price International Stock PortfolioT. Rowe Price International Stock Portfolio
Franklin Templeton Variable Insurance Products Trust
Templeton Developing Markets VIP Fund - Class 2Templeton Developing Markets VIP Fund - Class 2
Templeton Global Bond VIP Fund - Class 1Templeton Global Bond VIP Fund - Class 1
Templeton Growth VIP Fund - Class 2Templeton Growth VIP Fund - Class 2
Touchstone Investments
TVST Touchstone Common Stock FundTVST Touchstone Common Stock Fund
VanEck Variable Insurance Products Trust
VanEck Global Resources FundVanEck VIP Global Resources Fund — Initial Class
Vanguard Variable Insurance Fund Portfolios
Vanguard BalancedVanguard VIF — Balanced Portfolio
Vanguard Capital GrowthVanguard VIF — Capital Growth Portfolio
Vanguard Equity IncomeVanguard VIF — Equity Income Portfolio
Vanguard Equity IndexVanguard VIF — Equity Index Portfolio
Vanguard High Yield BondVanguard VIF — High Yield Bond Portfolio
Vanguard InternationalVanguard VIF — International Portfolio
Vanguard Mid-Cap IndexVanguard VIF — Mid-Cap Index Portfolio
Vanguard Real Estate IndexVanguard VIF — Real Estate Index Portfolio
Vanguard Short Term Investment GradeVanguard VIF — Short Term Investment Grade Portfolio
28

Symetra Resource Variable Account B
Notes to Financial Statements
1.    ORGANIZATION (continued)
Sub-Account Mutual Fund
Vanguard Variable Insurance Fund Portfolios
Vanguard Small Company GrowthVanguard VIF — Small Company Growth Portfolio
Vanguard Total Bond Market IndexVanguard VIF — Total Bond Market Index Portfolio
Vanguard Total Stock Market IndexVanguard VIF — Stock Market Index
Victory Funds
Victory Pioneer Bond VCT Class I1
Victory Pioneer Bond VCT Portfolio — Class I
Victory Pioneer Equity Income VCT Class II2
Victory Pioneer Equity Income VCT Portfolio — Class II
Victory Pioneer Fund VCT Class I3
Victory Pioneer Fund VCT Portfolio — Class I
Victory Pioneer High Yield VCT Class II4
Victory Pioneer High Yield VCT Portfolio — Class II
Victory Pioneer Mid Cap Value VCT Class I5
Victory Pioneer Mid Cap Value VCT Portfolio — Class I
Victory Pioneer Select Mid Cap Growth VCT Class I6
Victory Pioneer Select Mid Cap Growth VCT Portfolio — Class I
Victory Pioneer Strategic Income VCT Class I7
Victory Pioneer Strategic Income VCT Portfolio — Class I
Victory Pioneer Strategic Income VCT Class II8
Victory Pioneer Strategic Income VCT Portfolio — Class II
Virtus Variable Insurance Trust
Virtus Duff & Phelps Real Estate Securities Series IVirtus Duff & Phelps Real Estate Securities Series Class I
Virtus KAR Small-Cap Growth Series IVirtus KAR Small-Cap Growth Series Class I
Voya Investors Trust
VY JPMorgan Emerging Markets Equity Portfolio InitialVY JPMorgan Emerging Markets Equity Portfolio Class I

1 Victory Pioneer Bond VCT Portfolio Class I was formally known as Pioneer Bond VCT Class I prior to March 31, 2025.
2 Victory Pioneer Equity Income VCT Class II was formally known as Pioneer Equity Income VCT Class II prior to March 31, 2025.
3 Victory Pioneer Fund VCT Class I was formally known as Pioneer Fund VCT Class I prior to March 31, 2025.
4 Victory Pioneer High Yield VCT Class II was formally known as Pioneer High Yield VCT Class II prior to March 31, 2025
5 Victory Pioneer Mid Cap Value VCT Class I was formally known as Pioneer Mid Cap Value VCT Class I prior to March 31, 2025.
6 Victory Pioneer Select Mid Cap Growth VCT Class I was formally known as Pioneer Select Mid Cap Growth VCT Class I prior to March 31, 2025.
7 Victory Pioneer Strategic Income VCT Class I was formally known as Pioneer Strategic Income VCT Class I prior to March 31, 2025.
8 Victory Pioneer Strategic Income VCT Class II was formally known as Pioneer Strategic Income VCT Class II prior to March 31, 2025.
9 LVIP Nomura SMID Cap Core was formally known as LVIP Macquarie SMID Cap Core Fund - Standard Class prior to December 1, 2025.
10 Nomura VIP Emerging Markets Series - Standard Class was formally known as Macquarie VIP Emerging Markets Series - Standard Class prior to December 1, 2025.
11 Nomura VIP Small Cap Value Series - Standard Class was formally known as Macquarie VIP Small Cap Value Series - Standard Class prior to December 1, 2025.
12 There was no activity in the current year and the prior year and no net asset balance to report on the Statements of Assets and Liabilities as of December 31, 2025.
13 There was activity in the prior year and no activity in the current year and no net asset balance to report on the Statements of Assets and Liabilities as of December 31, 2025.
14 There was activity in the current year and no net asset balance to report on the Statements of Assets and Liabilities as of December 31, 2025.






        


    
29

Symetra Resource Variable Account B
Notes to Financial Statements
2.SIGNIFICANT ACCOUNTING POLICIES
BASIS OF PRESENTATION AND USE OF ESTIMATES — The financial statements have been prepared in conformity with U.S. generally accepted accounting principles (GAAP), including the rules and regulations of the Securities and Exchange Commission (SEC).
INVESTMENT VALUATION — Investments in portfolio shares are valued at fair value based on the net asset value (NAV) as reported by the underlying Mutual Fund on the last trading day of the year.
The Separate Account determines the fair value of its financial instruments based on the fair value hierarchy, which requires an entity to maximize its use of observable inputs and minimize the use of unobservable inputs when measuring fair value. This fair value hierarchy prioritizes fair value measurements into the three levels based on the nature of the inputs. Quoted prices in active markets for identical assets or liabilities have the highest priority ("Level 1"), followed by significant observable inputs other than quoted market prices, including prices for similar but not identical assets or liabilities ("Level 2") and significant unobservable inputs, including the reporting entity's estimates of the assumptions that market participants would use, having the lowest priority ("Level 3").
The availability of observable market information is the principal factor in determining the level to which the Separate Account's investments are assigned in the fair value hierarchy. As such, all Separate Account investments have been classified as Level 1 in the fair value hierarchy.
INVESTMENT TRANSACTIONS — Investment transactions are recorded on the trade date. Realized gains and losses on investment transactions are determined using the first-in-first-out (FIFO) method.
INCOME RECOGNITION — Dividend income and realized capital gain distributions are recorded on the ex-dividend date.
DISTRIBUTIONS — The net investment income and realized capital gains of the Separate Account are not distributed, but are retained and reinvested for the benefit of unit owners.
FEDERAL INCOME TAX — Operations of the Separate Account are included in the federal income tax return of Symetra Life, which is taxed as a "Life Insurance Company" under the provisions of the Internal Revenue Code. Under current federal income tax law, no income taxes are payable with respect to the operations of the Separate Account to the extent the earnings are reinvested.
SEGMENT INFORMATION — In this reporting period, the Separate Account adopted FASB Accounting Standards Update 2023-07, Segment Reporting (Topic 280) - Improvements to Reportable Segment Disclosures (“ASU 2023-07”). Adoption of the new standard impacted financial statement disclosures only and did not affect the financial position or the results of operations for the sub-accounts of the Separate Account. An operating segment is defined in Topic 280 as a component of a public entity that engages in business activities from which it may recognize revenues and incur expenses, has operating results that are regularly reviewed by the public entity’s chief operating decision maker (“CODM”) to make decisions about resources to be allocated to the segment and assess its performance, and has discrete financial information available.
The Separate Account has identified the senior vice president of retirement products as the CODM. The Separate Account is comprised of multiple sub-accounts, each which constitute a single operating segment.

The financial information, in the form of the sub-accounts’ holdings, including investment returns, asset allocations, fees, purchases, redemptions, as well as investment objectives, investment advisor and fund manager designations of each sub-account, are used by the CODM to assess the sub-accounts’ availability and performance by comparing the underlying mutual funds’ performance to their respective benchmark and to make resource allocation decisions for each sub-account’s single segment, which is consistent with that presented within the sub-accounts’ financial statements. Sub-accounts’ holdings are reflected on the accompanying Statements of Assets and Liabilities as "net assets" and significant fund expenses are listed on the accompanying Statements of Operations and Changes in Net Assets.

3.EXPENSES AND RELATED PARTY TRANSACTIONS
Symetra Life assumes mortality and expense ("M&E") risks related to the operations of the Separate Account. Symetra Life deducts a daily charge from the assets of the Separate Account to cover these risks. This charge for the Resource Variable Account B Annuity is on an annual basis, equal to a rate of 1.25 percent of the average daily net assets of the Separate Account. This charge for the Symetra True Variable Annuity is on an annual basis, equal to the rate of 0.60 percent of the average daily net assets of the Separate Account.
30

Symetra Resource Variable Account B
Notes to Financial Statements
3.EXPENSES AND RELATED PARTY TRANSACTIONS (continued)
The charges are included in the net investment income (loss) in the accompanying Statements of Operations and Changes in Net Assets.
SUB-ACCOUNT FUND FACILITATION FEE: At this time, Symetra Life does not assess a sub-account fund facilitation fee for the Symetra True Variable Annuity. However, if we choose to impose this fee, the sub-account fund facilitation fee may be charged to owners invested in any sub-account offered under the contract. Symetra Life will notify the contract holder in writing if we choose to impose this fee and the fee will be applied to all new and existing contracts. The maximum amount charged is on an annual basis, equal to a rate of 0.15 percent of the average daily net assets. This charge, if assessed, would be included in the net investment income (loss) in the accompanying Statements of Operations and Changes in Net Assets.
WEALTH TRANSFER BENEFIT CHARGE ("WTB"): If the owner elects this rider for the Symetra True Variable Annuity, Symetra Life may deduct an additional charge on the first business day of each contract month. The charge is deducted pro-rata from owner contract value invested in the standard sub-accounts. The WTB charge is reflected as contract maintenance charges in the accompanying Statements of Operations and Changes in Net Assets. This charge does not apply to all products and may vary by contract year and other factors as described in the product prospectus.
SHORT TERM REDEMPTION FEES: Certain sub-accounts invest in Mutual Funds that impose a short term redemption fee. Those Mutual Funds are: Fidelity VIP Energy Portfolio, Fidelity VIP Financial Services Portfolio, and the Fidelity VIP Technology Portfolio. An owner who chooses to redeem Accumulation Units of a sub-account invested in any of these Mutual Funds will be subject to a 1.00 percent short-term trading fee if the Accumulation Unit has been held for less than 60 days. For this purpose, Accumulation Units held longest will be treated as being redeemed first and Accumulation Units held shortest as being redeemed last. Redemption fees will be incurred when owner withdraws contract value invested in one of the sub-accounts or owner transfers contract value out of one of these sub-accounts. The fee applies to both one-time transactions, scheduled transfers and withdrawals involving the sub-accounts. The redemption fee will not apply to deductions from owner contract value to pay the mortality and expense risk charge or other charges under the contract. The redemption fee will also not apply to annuity payments or to any other transactions the applicable Mutual Funds or Symetra Life designates as exempt. The redemption fee charge is reflected as transfers out in the accompanying Statements of Operations and Changes in Net Assets. This charge does not apply to all products.
Symetra Life also deducts an annual contract maintenance charge of $30 for each contract from the Separate Account contract values. The maintenance charge is reflected as contract maintenance charge in the accompanying Statements of Operations and Changes in Net Assets. This charge does not apply to all products.
A withdrawal charge of $25 or 2.00 percent of the withdrawal amount, whichever is less, may be imposed on the owner of the policy for the second and each subsequent withdrawal in any one year. A transfer charge of $10 or 2.00 percent of the amount transferred, whichever is less, may be imposed on transfers that exceed the number of free transfers allowed each year for the Resource Variable Account B. A transfer charge of $25 for the Symetra True Variable Annuity will apply upon each transfer in excess of 25 transfers in a contract year. These charges are reflected as contract maintenance charges in the accompanying Statements of Operations and Changes in Net Assets. A surrender charge may be applicable in the first eight years on withdrawals that exceed the free withdrawal amount. The surrender charge is reflected as transfers out in the accompanying Statements of Operations and Changes in Net Assets. These charges do not apply to all products and may vary by contract year and other factors as described in the product prospectus.

4.INVESTMENT TRANSACTIONS
The following table summarizes investment purchases and proceeds from sales activity by sub-account for the year ended December 31, 2025.
Sub-AccountPurchasesProceeds From Sales
AB Discovery Value Portfolio - Class A$1,683 $85 
ALPS/Alerian Energy Infrastructure-Class I141,355 5,173 
American Funds IS Growth Fund8,509 27,072 
American Funds IS Growth-Income Fund11,053 380 
American Funds IS International Fund272 100 
American Funds IS New World Fund717 80 
BlackRock Capital Appreciation I3,623 189 
BlackRock Global Allocation I5,804 20,299 
BlackRock High Yield I26,473 7,709 
BNY Mellon Appreciation9,546 2,694 
31

Symetra Resource Variable Account B
Notes to Financial Statements
4.INVESTMENT TRANSACTIONS (continued)
Sub-AccountPurchasesProceeds From Sales
BNY Mellon MidCap Stock$20,510 $32,142 
BNY Mellon Stock Index9,768 33,733 
BNY Mellon Sustainable U.S. Equity9,122 1,668 
BNY Mellon Technology Growth7,095 206 
Columbia Income Opportunities1,826 545 
Columbia VP Overseas Core Fund - Class 151 124 
Columbia VP Select Mid Cap Growth Fund - Class 1— 1,260 
Dimensional VA Global Bond1,232 16,485 
Dimensional VA International Small Portfolio1,694 9,913 
Dimensional VA International Value Portfolio1,902 18,566 
Dimensional VA Short Term Fixed Portfolio11,979 12,267 
Dimensional VA U.S. Large Value Portfolio32,872 7,892 
Dimensional VA U.S. Targeted Value27,212 7,150 
DWS Alternative Asset Allocation VIP A1,308 9,590 
DWS CROCI International VIP - Class A64,698 172,134 
DWS Global Income Builder VIP A464,939 266,288 
Eaton Vance VT Floating-Rate Income Fund Advisor Class1
323 5,437 
Federated Hermes High Income Bond8,113 10,401 
Federated Hermes Managed Volatility II1,789 1,420 
Fidelity Contrafund290,982 182,673 
Fidelity Energy2,825 767 
Fidelity Equity-Income13,445 13,808 
Fidelity Financials Portfolio - Initial Class41,545 4,198 
Fidelity Government Money Market Portfolio - Initial Class5,036 746 
Fidelity Government Money Market Portfolio - Service Class II38,975 57,645 
Fidelity Growth70,773 65,251 
Fidelity Growth & Income4,720 20,495 
Fidelity Growth Opportunities3,763 11,879 
Fidelity Investment Grade Bond77 14 
Fidelity Mid Cap I239 66 
Fidelity Real Estate225 49 
Fidelity Strategic Income2,966 458 
Franklin Income VIP Fund - Class 13,274 205 
Franklin Income VIP Fund - Class 26,857 19,603 
Franklin Mutual Global Discovery VIP Fund - Class 12,541 1,033 
Franklin Mutual Shares VIP Fund - Class 129,765 1,466 
Franklin Mutual Shares VIP Fund - Class 217,084 6,636 
Franklin Rising Dividends VIP Fund - Class 132,715 16,166 
Franklin Small-Mid Cap Growth VIP Fund - Class 25,662 9,491 
Franklin Strategic Income VIP Fund - Class 110,633 2,506 
Franklin U.S. Government Securities VIP Fund - Class 12,065 735 
Franklin U.S. Government Securities VIP Fund - Class 21,247 1,172 
Invesco American Franchise Fund I18,188 15,153 
Invesco EQV International Equity I15,772 1,195 
Invesco EQV International Equity II4,423 2,714 
Invesco Global Real Estate2,174 2,608 
Janus Henderson Flexible Bond11,432 2,468 
Janus Henderson Mid Cap Value Portfolio408 24 
LVIP American Century Balanced Fund Standard Class II4,183 3,688 
LVIP American Century International Fund Standard Class II6,613 17,165 
LVIP American Century Mid Cap Value Fund Standard Class II1
287 5,270 
LVIP American Century Value Fund Standard Class II36,776 12,356 
32

Symetra Resource Variable Account B
Notes to Financial Statements
4.INVESTMENT TRANSACTIONS (continued)
Sub-AccountPurchasesProceeds From Sales
LVIP JPMorgan Mid Cap Value Fund - Standard Class$39,114 $11,385 
LVIP JPMorgan U.S. Equity Fund - Standard Class2,015 4,048 
LVIP Nomura SMID Cap Core1
5,408 1,025 
Merger VL1,383 6,390 
MFS International Growth Portfolio184 17 
MFS International Intrinsic Value Portfolio28,677 7,505 
MFS New Discovery Series— 59 
MFS Utilities Series4,961 11,403 
Nomura VIP Emerging Markets Series - Standard Class1
4,281 1,536 
Nomura VIP Small Cap Value Series - Standard Class1
5,198 428 
PIMCO All Asset Institutional Class772 18,593 
PIMCO CommodityRealReturn Strat. Institutional Class604 119 
PIMCO Emerging Markets Bond Institutional Class1,614 5,869 
PIMCO Global Bond Opportunities (Unhedged) - Institutional Class63 
PIMCO Low Duration Institutional Class3,784 555 
PIMCO Real Return Institutional Class1,162 2,078 
PIMCO Total Return Institutional Class7,378 1,034 
Royce Capital Small-Cap5,909 1,051 
T. Rowe Price All-Cap Opportunities Portfolio112,561 10,300 
T. Rowe Price Blue Chip Growth79,390 19,251 
T. Rowe Price Equity Income Portfolio50,877 4,818 
T. Rowe Price Health Sciences Portfolio28,203 7,639 
T. Rowe Price International Stock Portfolio33,321 3,511 
Templeton Developing Markets VIP Fund - Class 2369 17,223 
Templeton Global Bond VIP Fund - Class 171 167 
Templeton Growth VIP Fund - Class 22,700 25,260 
TVST Touchstone Common Stock Fund16,214 621 
VanEck Global Resources Fund7,249 1,714 
Vanguard Balanced53,228 74,747 
Vanguard Capital Growth4,633 519 
Vanguard Equity Income412,585 91,530 
Vanguard Equity Index10,948 4,153 
Vanguard High Yield Bond11,878 1,817 
Vanguard International3,154 10,720 
Vanguard Mid-Cap Index6,341 621 
Vanguard Real Estate Index15,272 47,959 
Vanguard Short Term Investment Grade307,043 12,049 
Vanguard Small Company Growth1,535 128 
Vanguard Total Bond Market Index14,565 76,869 
Vanguard Total Stock Market Index10,246 109,779 
Victory Pioneer Bond VCT Portfolio Class I1
44,301 113,381 
Victory Pioneer Equity Income VCT Portfolio Class II1
2,517 32,376 
Victory Pioneer Fund VCT Portfolio Class I1
4,247,946 4,254,523 
Victory Pioneer High Yield VCT Portfolio Class II1
601 12,003 
Victory Pioneer Mid Cap Value VCT Portfolio Class I1
328,368 361,191 
Victory Pioneer Select Mid Cap Growth VCT Portfolio Class I1
1,546,622 1,561,222 
Victory Pioneer Strategic Income VCT Portfolio Class I1
22,820 429 
Victory Pioneer Strategic Income VCT Portfolio Class II1
1,541 30,089 
Virtus Duff & Phelps Real Estate Securities Series I12734
Virtus KAR Small-Cap Growth Series I7,472 217
33

Symetra Resource Variable Account B
Notes to Financial Statements
4.INVESTMENT TRANSACTIONS (continued)
Sub-AccountPurchasesProceeds From Sales
VY JPMorgan Emerging Markets Equity Portfolio Initial$5,089 $1,836 
1 Reference Note 1 of the financial statements for additional information pertaining to this sub-account.
34

Symetra Resource Variable Account B
Notes to Financial Statements
5.CHANGES IN ACCUMULATION UNITS OUTSTANDING
The changes in Units Outstanding for the years or periods ended December 31, 2025 and 2024 were as follows:
 20252024
Sub-AccountUnits
Issued
Units
Redeemed
Increase
(Decrease)
 in Units2
Units
Issued
Units
Redeemed
Increase
(Decrease)
 in Units2
American Funds IS Growth Fund52 (451)(399)70 (519)(449)
American Funds IS Growth-Income Fund— — — — (70)(70)
BlackRock Global Allocation I— (998)(998)— (1,499)(1,499)
BlackRock High Yield I1,353 (509)844 144 (1,144)(1,000)
BNY Mellon Appreciation19 (48)(29)22 (48)(26)
BNY Mellon MidCap Stock34 (679)(645)39 (390)(351)
BNY Mellon Stock Index10 (463)(453)12 (528)(516)
BNY Mellon Sustainable U.S. Equity— (8)(8)— (8)(8)
Columbia VP Overseas Core Fund - Class 1125 (128)(3)155 (167)(12)
Dimensional VA Global Bond1,691 (3,060)(1,369)1,355 (1,610)(255)
Dimensional VA International Small Portfolio405 (752)(347)347 (344)
Dimensional VA International Value Portfolio777 (1,468)(691)691 (732)(41)
Dimensional VA Short Term Fixed Portfolio— (939)(939)— (2,335)(2,335)
Dimensional VA U.S. Large Value Portfolio242 (380)(138)225 (244)(19)
Dimensional VA U.S. Targeted Value170 (304)(134)134 (143)(9)
DWS Alternative Asset Allocation VIP A— (681)(681)— (757)(757)
DWS CROCI International VIP - Class A1,394 (5,886)(4,492)115 (5,196)(5,081)
DWS Global Income Builder VIP A1,868 (4,821)(2,953)145 (1,807)(1,662)
Eaton Vance VT Floating-Rate Income Fund Advisor Class1
454 (821)(367)367 (357)10 
Federated Hermes High Income Bond83 (250)(167)565 (312)253 
Federated Hermes Managed Volatility II29 (33)(4)17 (33)(16)
Fidelity Contrafund1,536 (3,355)(1,819)1,773 (3,839)(2,066)
Fidelity Equity-Income13 (236)(223)23 (71)(48)
Fidelity Government Money Market Portfolio - Service Class II3,152 (5,262)(2,110)53 (5,217)(5,164)
Fidelity Growth(1,290)(1,285)(201)(195)
Fidelity Growth & Income(445)(443)(81)(79)
Fidelity Growth Opportunities— (111)(111)(2,198)(2,191)
Fidelity Investment Grade Bond191 (187)214 (225)(11)
Fidelity Mid Cap I134 (133)156 (171)(15)
Fidelity Real Estate122 (118)139 (153)(14)
Franklin Income VIP Fund - Class 1124 (7)117 662 (84)578 
Franklin Income VIP Fund - Class 248 (745)(697)52 (933)(881)
Franklin Mutual Global Discovery VIP Fund - Class 12,184 (2,196)(12)2,221 (2,209)12 
Franklin Mutual Shares VIP Fund - Class 240 (169)(129)43 (232)(189)
Franklin Rising Dividends VIP Fund - Class 193 (437)(344)109 (500)(391)
35

Symetra Resource Variable Account B
Notes to Financial Statements
5.CHANGES IN ACCUMULATION UNITS OUTSTANDING (continued)
 20252024
Sub-AccountUnits
Issued
Units
Redeemed
Increase
(Decrease)
 in Units2
Units
Issued
Units
Redeemed
Increase
(Decrease)
 in Units2
Franklin Small-Mid Cap Growth VIP Fund - Class 226 (278)(252)30 (366)(336)
Franklin Strategic Income VIP Fund - Class 1174 (261)(87)328 (1,069)(741)
Franklin U.S. Government Securities VIP Fund - Class 15,472 (5,386)86 5,133 (4,968)165 
Franklin U.S. Government Securities VIP Fund - Class 2— (44)(44)— (140)(140)
Invesco American Franchise Fund I— (341)(341)— (109)(109)
Invesco EQV International Equity II27 (101)(74)30 (101)(71)
Invesco Global Real Estate24 (50)(26)25 (113)(88)
Janus Henderson Flexible Bond— (97)(97)142 (284)(142)
LVIP American Century Balanced Fund Standard Class II59 (68)(9)62 (197)(135)
LVIP American Century International Fund Standard Class II242 (809)(567)105 (352)(247)
LVIP American Century Mid Cap Value Fund Standard Class II1
— (145)(145)— — — 
LVIP American Century Value Fund Standard Class II— (224)(224)— (262)(262)
LVIP JPMorgan Mid Cap Value Fund - Standard Class(201)(192)10 (58)(48)
LVIP JPMorgan U.S. Equity Fund - Standard Class— (68)(68)— (56)(56)
Merger VL— (435)(435)— (483)(483)
MFS International Intrinsic Value Portfolio89 (231)(142)109 (118)(9)
MFS Utilities Series2,104 (2,432)(328)2,423 (2,605)(182)
Nomura VIP Small Cap Value Series - Standard Class1
110 (109)127 (137)(10)
PIMCO All Asset Institutional Class1,311 (2,382)(1,071)1,071 (1,011)60 
PIMCO Dynamic Bond - Institutional Class1
— — — (653)(651)
PIMCO Emerging Markets Bond Institutional Class2,454 (2,843)(389)2,377 (2,340)37 
PIMCO Real Return Institutional Class— (154)(154)— — — 
PIMCO Total Return Institutional Class195 (192)219 (885)(666)
Royce Capital Small-Cap3,625 (3,561)64 3,319 (3,294)25 
T. Rowe Price All-Cap Opportunities Portfolio— (65)(65)— (57)(57)
T. Rowe Price Blue Chip Growth— (233)(233)— (226)(226)
T. Rowe Price Equity Income Portfolio— (67)(67)— (59)(59)
T. Rowe Price Health Sciences Portfolio1,242 (1,270)(28)1,098 (1,144)(46)
T. Rowe Price International Stock Portfolio— (74)(74)— (65)(65)
Templeton Developing Markets VIP Fund - Class 2— (589)(589)57 (28)29 
Templeton Global Bond VIP Fund - Class 1243 (238)260 (273)(13)
Templeton Growth VIP Fund - Class 223 (1,133)(1,110)89 (124)(35)
Vanguard Balanced170 (2,603)(2,433)369 (276)93 
Vanguard Capital Growth— — — — (28)(28)
Vanguard Equity Income72 (1,685)(1,613)122 (942)(820)
Vanguard Equity Index1,629 (1,658)(29)1,753 (1,792)(39)
Vanguard High Yield Bond— (39)(39)— (39)(39)
Vanguard International— (368)(368)— (13)(13)
36

Symetra Resource Variable Account B
Notes to Financial Statements
5.CHANGES IN ACCUMULATION UNITS OUTSTANDING (continued)
 20252024
Sub-AccountUnits
Issued
Units
Redeemed
Increase
(Decrease)
 in Units2
Units
Issued
Units
Redeemed
Increase
(Decrease)
 in Units2
Vanguard Real Estate Index— (2,178)(2,178)62 (145)(83)
Vanguard Short Term Investment Grade28,056 (5,210)22,846 15,321 (5,008)10,313 
Vanguard Total Bond Market Index1,137 (7,855)(6,718)913 (888)25 
Vanguard Total Stock Market Index416 (2,675)(2,259)350 (2,308)(1,958)
Victory Pioneer Bond VCT Portfolio Class I1
134 (2,317)(2,183)265 (1,864)(1,599)
Victory Pioneer Equity Income VCT Portfolio Class II1
— (943)(943)91 (109)(18)
Victory Pioneer Fund VCT Portfolio Class I1
54 (13,650)(13,596)276 (12,728)(12,452)
Victory Pioneer High Yield VCT Portfolio Class II1
— (579)(579)75 — 75 
Victory Pioneer Mid Cap Value VCT Portfolio Class I1
2,062 (4,931)(2,869)48 (3,102)(3,054)
Victory Pioneer Select Mid Cap Growth VCT Portfolio Class I1
25 (6,707)(6,682)112 (7,289)(7,177)
Victory Pioneer Strategic Income VCT Portfolio Class I1
1,303 — 1,303 — (621)(621)
Victory Pioneer Strategic Income VCT Portfolio Class II1
— (1,625)(1,625)100 (62)38 
VY JPMorgan Emerging Markets Equity Portfolio Initial— (37)(37)— (39)(39)
    
1 Reference Note 1 of the financial statements for additional information pertaining to this sub-account.
2 Funds with no changes in units in either period were not included in the table above.
37

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES

The following table summarizes the Unit values and Units outstanding for sub-accounts of the Symetra Resource Variable Account B, net investment income ratios and the expense ratios, excluding expenses of the underlying Mutual Funds, and total returns for each of the five years in the period ended December 31, 2025.
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
AB Discovery Value Portfolio - Class A
2025 $34.109 to$34.109427$14,560 0.86 %0.60 %to0.60%2.27 %to2.27%
2024 33.352to33.35242714,236 0.88 0.60 to0.609.36 to9.36
2023 30.498to30.49842713,017 1.08 0.60 to0.6016.48 to16.48
2022 26.183to26.18342711,175 0.29 0.60 to0.60(16.13)to(16.13)
2021 31.220to31.2204,448138,860 0.77 0.60 to0.6035.13 to35.13
ALPS/Alerian Energy Infrastructure-Class I
2025 20.331to20.33142,895872,086 4.87 0.60 to0.604.46 to4.46
2024 19.463to19.46342,895834,852 4.53 0.60 to0.6040.18 to40.18
2023 13.884to13.88442,895595,543 3.59 0.60 to0.6013.57 to13.57
2022 12.225to12.22543,203528,170 3.63 0.60 to0.6017.13 to17.13
2021 10.437to10.43783,572872,226 3.26 0.60 to0.6037.42 to37.42
American Funds IS Growth Fund
2025 72.116to72.1161,35097,335 0.24 0.60 to0.6019.81 to19.81
2024 60.191to60.1911,749105,267 0.56 0.60 to0.6031.16 to31.16
2023 45.890to45.8902,198100,875 0.62 0.60 to0.6037.99 to37.99
2022 33.257to33.2572,54084,475 0.59 0.60 to0.60(30.18)to(30.18)
2021 47.631to47.6312,537120,836 0.47 0.60 to0.6021.56 to21.56
American Funds IS Growth-Income Fund
2025 50.517to50.5171,38169,752 1.17 0.60 to0.6017.66 to17.66
2024 42.934to42.9341,38159,285 1.34 0.60 to0.6023.79 to23.79
2023 34.683to34.6831,45150,312 1.59 0.60 to0.6025.71 to25.71
2022 27.590to27.5901,57143,341 1.50 0.60 to0.60(16.79)to(16.79)
2021 33.156to33.1561,69756,279 1.35 0.60 to0.6023.67 to23.67
American Funds IS International Fund
2025 20.457to20.45792318,876 1.63 0.60 to0.6026.29 to26.29
2024 16.199to16.19992314,948 1.44 0.60 to0.602.77 to2.77
2023 15.762to15.76292314,545 1.57 0.60 to0.6015.43 to15.43
2022 13.655to13.65592312,601 2.01 0.60 to0.60(21.05)to(21.05)
2021 17.295to17.29592315,959 0.82 0.60 to0.60(1.83)to(1.83)
American Funds IS New World Fund
2025 22.699to22.69965914,959 1.40 0.60 to0.6027.84 to27.84
2024 17.756to17.75665911,700 1.64 0.60 to0.606.21 to6.21
2023 16.718to16.71865911,017 1.71 0.60 to0.6015.53 to15.53
2022 14.471to14.4716599,535 1.59 0.60 to0.60(22.33)to(22.33)
2021 18.631to18.63165912,277 0.92 0.60 to0.604.53 to4.53
BlackRock Capital Appreciation I
2025 65.367to65.36751833,855 — 0.60 to0.6011.37 to11.37
2024 58.692to58.69251830,399 — 0.60 to0.6031.48 to31.48
2023 44.638to44.63851823,120 — 0.60 to0.6048.11 to48.11
38

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
BlackRock Capital Appreciation I (continued)
2022 $30.138 to$30.138690$20,794 — %0.60 %to0.60%(38.01)%to(38.01)%
2021 48.617to48.61769033,542 — 0.60 to0.6020.43 to20.43
BlackRock Global Allocation I
2025 23.989to23.9892,25254,024 3.54 0.60 to0.6019.08 to19.08
2024 20.145to20.1453,25065,481 1.00 0.60 to0.608.57 to8.57
2023 18.554to18.5544,75088,128 2.24 0.60 to0.6012.16 to12.16
2022 16.543to16.5432,89847,939 — 0.60 to0.60(16.37)to(16.37)
2021 19.780to19.78011,501227,496 0.92 0.60 to0.606.04 to6.04
BlackRock High Yield I
202520.154to20.1542,31446,631 6.73 0.60 to0.608.53 to8.53
202418.57to18.571,47027,297 6.97 0.60 to0.607.61 to7.61
202317.256to17.2562,47042,624 6.56 0.60 to0.6012.51 to12.51
202215.337to15.3373,02646,394 5.17 0.60 to0.60(10.87)to(10.87)
2021 17.208to17.2087,170123,380 4.51 0.60 to0.604.69 to4.69
BNY Mellon Appreciation
2025 45.314to45.3141,34660,988 0.36 1.25 to1.258.71 to8.71
2024 41.685to41.6851,37557,306 0.42 1.25 to1.2511.40 to11.40
2023 37.420to37.4201,40152,428 0.72 1.25 to1.2519.47 to19.47
2022 31.322to31.3221,42344,571 0.67 1.25 to1.25(19.08)to(19.08)
2021 38.707to38.7071,54159,629 0.44 1.25 to1.2525.55 to25.55
BNY Mellon Midcap Stock
2025 47.820to47.8203,924187,658 0.72 1.25 to1.258.70 to8.70
2024 43.991to43.9914,569200,997 0.83 1.25 to1.2511.21 to11.21
2023 39.557to39.5574,920194,640 0.78 1.25 to1.2516.85 to16.85
2022 33.854to33.8545,078171,912 0.72 1.25 to1.25(15.14)to(15.14)
2021 39.896to39.8965,296211,278 0.70 1.25 to1.2524.32 to24.32
BNY Mellon Stock Index
2025 77.533to77.5332,035157,791 0.77 1.25 to1.2515.78 to15.78
2024 66.964to66.9642,488166,619 0.91 1.25 to1.2522.79 to22.79
2023 54.534to54.5343,004163,848 1.18 1.25 to1.2524.05 to24.05
2022 43.962to43.9623,630159,592 1.09 1.25 to1.25(19.54)to(19.54)
2021 54.635to54.6353,719203,211 0.81 1.25 to1.2526.53 to26.53
BNY Mellon Sustainable U.S. Equity
2025 34.695to34.6953,481120,773 0.25 1.25 to1.2514.53 to14.53
2024 30.294to30.2943,489105,701 0.52 1.25 to1.2523.33 to23.33
2023 24.563to24.5633,49785,908 0.72 1.25 to1.2522.29 to22.29
2022 20.086to20.0863,50670,420 0.52 1.25 to1.25(23.83)to(23.83)
2021 26.370to26.3703,51592,682 0.74 1.25 to1.2525.42 to25.42
BNY Mellon Technology Growth
2025 34.647to34.64754518,897 — 1.25 to1.2526.57 to26.57
2024 27.374to27.37454514,931 — 1.25 to1.2524.17 to24.17
2023 22.045to22.04554512,024 — 1.25 to1.2557.44 to57.44
2022 14.002to14.0025457,638 — 1.25 to1.25(47.05)to(47.05)
2021 26.445to26.44555614,696 — 1.25 to1.2511.53 to11.53
39

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
Columbia Income Opportunities
2025 $18.548 to$18.5485,084$94,298 2.01 %0.60 %to0.60%8.13 %to8.13%
2024 17.153 to17.1535,08487,205 5.62 0.60 to0.605.27 to5.27
2023 16.295 to16.2955,08482,844 5.18 0.60 to0.6010.90 to10.90
2022 14.694 to14.6945,08474,705 5.39 0.60 to0.60(10.55)to(10.55)
2021 16.427to16.4275,08483,514 9.10 0.60 to0.603.88 to3.88
Columbia VP Overseas Core Fund - Class 1
2025 26.949to26.94929791 2.07 0.60 to0.6037.44 to37.44
2024 19.608to19.60833642 5.13 0.60 to0.602.83 to2.83
2023 19.069to19.06944844 1.91 0.60 to0.6014.95 to14.95
2022 16.589to16.58948798 0.79 0.60 to0.60(15.18)to(15.18)
2021 19.559to19.55942826 1.26 0.60 to0.609.30 to9.30
Columbia VP Select Mid Cap Growth Fund - Class 1
2025 45.183to45.1834,938223,135 — 0.60 to0.6014.45 to14.45
2024 39.478to39.4784,938194,962 — 0.60 to0.6022.93 to22.93
2023 32.114to32.1144,938158,593 — 0.60 to0.6024.50 to24.50
2022 25.795to25.7954,938127,389 — 0.60 to0.60(31.25)to(31.25)
2021 37.519to37.5194,938185,287 — 0.60 to0.6015.87 to15.87
Dimensional VA Global Bond
2025 11.734to11.7341,41916,651 2.80 0.60 to0.603.73 to3.73
2024 11.312to11.3122,78831,540 4.77 0.60 to0.604.75 to4.75
2023 10.799to10.7993,04332,860 3.62 0.60 to0.604.42 to4.42
2022 10.342to10.3423,44835,656 1.61 0.60 to0.60(6.89)to(6.89)
2021 11.107to11.1073,36337,353 0.27 0.60 to0.60(1.64)to(1.64)
Dimensional VA International Small Portfolio
2025 31.429to31.42979725,033 2.93 0.60 to0.6036.17 to36.17
2024 23.081to23.0811,14426,398 3.47 0.60 to0.603.19 to3.19
2023 22.367to22.3671,14025,508 3.20 0.60 to0.6013.43 to13.43
2022 19.719to19.7191,12722,228 1.48 0.60 to0.60(18.13)to(18.13)
2021 24.087to24.0872,17252,316 0.66 0.60 to0.6013.88 to13.88
Dimensional VA International Value Portfolio
2025 31.276to31.27691328,563 3.45 0.60 to0.6044.77 to44.77
2024 21.604to21.6041,60434,662 3.98 0.60 to0.605.98 to5.98
2023 20.385to20.3851,64533,535 4.85 0.60 to0.6017.16 to17.16
2022 17.400to17.4001,66729,000 3.95 0.60 to0.60(4.04)to(4.04)
2021 18.132to18.1321,69030,639 0.66 0.60 to0.6017.41 to17.41
Dimensional VA Short Term Fixed Portfolio
2025 11.329to11.32925,403287,768 4.13 0.60 to0.603.71 to3.71
2024 10.924to10.92426,342287,736 4.79 0.60 to0.604.86 to4.86
2023 10.418to10.41828,677298,759 3.86 0.60 to0.604.35 to4.35
2022 9.984to9.98429,052290,038 1.37 0.60 to0.60(1.74)to(1.74)
2021 10.161to10.16127,677281,223 — 0.60 to0.60(0.79)to(0.79)
Dimensional VA U.S. Large Value Portfolio
2025 42.808to42.80810,356443,327 1.95 0.60 to0.6015.13 to15.13
2024 37.181to37.18110,495390,193 2.09 0.60 to0.6012.70 to12.70
40

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
Dimensional VA U.S. Large Value Portfolio1 (continued)
2023 $32.991 to$32.99110,513$346,834 2.32 %0.60 %to0.60%10.26 %to10.26%
2022 29.921to29.92110,509314,434 1.86 0.60 to0.60(5.44)to(5.44)
2021 31.644to31.64420,775657,397 1.17 0.60 to0.6026.28 to26.28
Dimensional VA U.S. Targeted Value
2025 43.313to43.3136,490281,112 1.86 0.60 to0.608.29 to8.29
2024 39.996to39.9966,624264,925 1.44 0.60 to0.607.49 to7.49
2023 37.210to37.2106,632246,791 1.60 0.60 to0.6019.32 to19.32
2022 31.186to31.1866,752210,556 1.00 0.60 to0.60(4.78)to(4.78)
2021 32.753to32.75313,243433,756 0.95 0.60 to0.6038.84 to38.84
DWS Alternative Asset Allocation VIP A
2025 14.229to14.2291,85626,409 4.25 0.60 to0.609.83 to9.83
2024 12.955to12.9552,53732,866 3.74 0.60 to0.605.00 to5.00
2023 12.338to12.3383,29440,643 6.76 0.60 to0.605.55 to5.55
2022 11.689to11.6893,87645,307 7.44 0.60 to0.60(7.98)to(7.98)
2021 12.702to12.7023,87649,232 2.02 0.60 to0.6012.07 to12.07
DWS CROCI International VIP - Class A
2025 31.254to31.25438,1181,191,343 2.71 1.25 to1.2543.10 to43.10
2024 21.840to21.84042,610930,609 3.35 1.25 to1.251.17 to1.17
2023 21.587to21.58747,6901,029,488 3.36 1.25 to1.2517.47 to17.47
2022 18.376to18.37653,157976,823 3.29 1.25 to1.25(14.26)to(14.26)
2021 21.433to21.43358,5471,254,864 2.40 1.25 to1.257.88 to7.88
DWS Global Income Builder VIP A
2025 54.857to54.85740,6292,228,799 4.52 1.25 to1.2514.36 to14.36
2024 47.969to47.96943,5832,090,596 3.46 1.25 to1.257.74 to7.74
2023 44.523to44.52345,2452,014,443 3.19 1.25 to1.2513.47 to13.47
2022 39.238to39.23848,8501,916,768 3.01 1.25 to1.25(16.04)to(16.04)
2021 46.732to46.73255,4412,590,854 2.35 1.25 to1.259.58 to9.58
Eaton Vance VT Floating-Rate Income Fund Advisor Class1
2025 14.666to14.666— 4.54 0.60 to0.603.71 to3.71
2024 14.141to14.1413675,196 8.14 0.60 to0.607.17 to7.17
2023 13.195to13.1953574,710 8.45 0.60 to0.6010.82 to10.82
2022 11.907to11.9073824,542 4.88 0.60 to0.60(2.95)to(2.95)
2021 12.269to12.2693754,597 3.12 0.60 to0.603.12 to3.12
Federated Hermes High Income Bond
2025 39.002to39.0022,13583,266 5.99 1.25 to1.256.89 to6.89
2024 36.489to36.4892,30283,983 5.02 1.25 to1.254.94 to4.94
2023 34.771to34.7712,04871,227 5.91 1.25 to1.2511.32 to11.32
2022 31.235to31.2352,22869,605 5.65 1.25 to1.25(12.87)to(12.87)
2021 35.850to35.8502,53090,705 4.94 1.25 to1.253.54 to3.54
Federated Hermes Managed Volatility II
2025 38.740to38.74045117,474 2.81 1.25 to1.255.71 to5.71
2024 36.649to36.64945516,662 2.16 1.25 to1.2514.11 to14.11
2023 32.116to32.11647115,122 1.86 1.25 to1.257.34 to7.34
41

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
Federated Hermes Managed Volatility II (continued)
2022 $29.921 to$29.921493$14,744 1.91 %1.25 %to1.25%(14.83)%to(14.83)%
2021 35.129to35.12954719,204 1.75 1.25 to1.2517.04 to17.04
Fidelity Contrafund
2025 63.635to113.07524,9091,906,234 0.14 0.60 to1.2520.75 to19.97
2024 52.698to94.25026,7281,736,136 0.19 0.60 to1.2532.99 to32.12
2023 39.627to71.33628,7951,452,919 0.49 0.60 to1.2532.66 to31.80
2022 29.872to54.12531,2401,197,538 0.48 0.60 to1.25(26.75)to(27.23)
2021 40.783to74.37537,986 1,946,034 0.06 0.60 to1.2527.07 to26.25
Fidelity Energy
2025 19.395to19.3957,006135,870 2.21 0.60 to0.609.92 to9.92
2024 17.644to17.6447,006123,604 2.28 0.60 to0.603.67 to3.67
2023 17.019to17.0197,006119,229 2.69 0.60 to0.600.38 to0.38
2022 16.955to16.9557,006118,775 2.32 0.60 to0.6062.22 to62.22
2021 10.452to10.45213,598142,135 2.55 0.60 to0.6054.41 to54.41
Fidelity Equity-Income
2025 56.301to56.3013,269184,031 1.82 1.25 to1.2517.54 to17.54
2024 47.898to47.8983,492167,261 1.80 1.25 to1.2513.91 to13.91
2023 42.050to42.0503,540148,861 1.96 1.25 to1.259.28 to9.28
2022 38.480to38.4803,592138,222 1.83 1.25 to1.25(6.14)to(6.14)
2021 40.996to40.9963,943161,633 1.92 1.25 to1.2523.34 to23.34
Fidelity Financials Portfolio - Initial Class
2025 52.558to52.55814,473760,655 1.76 0.60 to0.6014.49 to14.49
2024 45.906to45.90614,473664,391 1.79 0.60 to0.6031.93 to31.93
2023 34.796to34.79614,473503,596 2.76 0.60 to0.6014.05 to14.05
2022 30.510to30.51014,473441,570 1.72 0.60 to0.60(8.88)to(8.88)
2021 33.483to33.48328,093940,643 1.67 0.60 to0.6032.40 to32.40
Fidelity Government Money Market Portfolio - Initial Class
2025 11.528 to11.52810,970126,459 4.06 0.60 to0.603.51 to3.51
2024 11.137 to11.13710,970122,168 4.98 0.60 to0.604.47 to4.47
2023 10.660 to10.66010,970116,940 4.75 0.60 to0.604.26 to4.26
2022 10.224 to10.22414,114144,300 1.56 0.60 to0.600.83 to0.83
2021 10.140 to10.14010,987111,409 0.01 0.60 to0.60(0.59)to(0.59)
Fidelity Government Money Market Portfolio - Service Class II
2025 10.759to10.75912,824137,969 3.81 1.25 to1.252.57 to2.57
2024 10.489to10.48914,934156,638 4.76 1.25 to1.253.53 to3.53
2023 10.131to10.13120,099203,623 4.54 1.25 to1.253.34 to3.34
2022 9.804to9.80420,486200,838 1.41 1.25 to1.250.01 to0.01
2021 9.803to9.80312,312120,698 0.01 1.25 to1.25(1.24)to(1.24)
Fidelity Growth
2025 55.694to55.69410,099562,463 0.29 1.25 to1.2513.47 to13.47
2024 49.081to49.08111,384558,742 — 1.25 to1.2528.76 to28.76
2023 38.118to38.11811,579441,408 0.13 1.25 to1.2534.55 to34.55
2022 28.330to28.33011,782333,812 0.61 1.25 to1.25(25.39)to(25.39)
42

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
Fidelity Growth (continued)
2021 $37.972 to$37.97212,090$459,104 — %1.25 %to1.25%21.68 %to21.68%
Fidelity Growth & Income
202553.962to53.96282144,298 1.35 1.25 to1.2519.99 to19.99
202444.971to44.9711,26456,848 1.44 1.25 to1.2520.69 to20.69
202337.262to37.2621,34350,054 1.63 1.25 to1.2517.25 to17.25
202231.780to31.7801,47346,825 1.58 1.25 to1.25(6.13)to(6.13)
202133.855to33.8551,60754,396 1.77 1.25 to1.2524.39 to24.39
Fidelity Growth Opportunities
2025 91.199to91.1992,894263,893 — 1.25 to1.2520.43 to20.43
2024 75.725to75.7253,004227,498 — 1.25 to1.2537.16 to37.16
2023 55.211to55.2115,195286,842 — 1.25 to1.2543.85 to43.85
2022 38.381to38.3815,418207,940 — 1.25 to1.25(38.92)to(38.92)
2021 62.836to62.8369,106572,184 — 1.25 to1.2510.55 to10.55
Fidelity Investment Grade Bond
2025 12.761to12.76150632 3.70 0.60 to0.606.59 to6.59
2024 11.972to11.97246551 3.30 0.60 to0.601.17 to1.17
2023 11.833to11.83358680 0.68 0.60 to0.605.57 to5.57
2022 11.209to11.2096857,676 1.01 0.60 to0.60(13.48)to(13.48)
2021 12.955to12.9553,21541,648 2.05 0.60 to0.60(1.20)to(1.20)
Fidelity Mid Cap I
2025 39.047to39.047341,314 0.45 0.60 to0.6011.09 to11.09
2024 35.150to35.150331,139 0.49 0.60 to0.6016.78 to16.78
2023 30.099to30.099471,422 0.62 0.60 to0.6014.39 to14.39
2022 26.312to26.312471,240 0.50 0.60 to0.60(15.25)to(15.25)
2021 31.048to31.048471,464 0.61 0.60 to0.6024.85 to24.85
Fidelity Real Estate
2025 19.656to19.6562745,383 2.06 0.60 to0.602.49 to2.49
2024 19.179to19.1792705,158 4.11 0.60 to0.605.88 to5.88
2023 18.114to18.1142845,141 2.49 0.60 to0.6010.53 to10.53
2022 16.389to16.3892784,559 1.34 0.60 to0.60(27.94)to(27.94)
2021 22.745 to22.7452766,299 1.17 0.60 to0.6038.16 to38.16
Fidelity Strategic Income
2025 15.814to15.8145,03879,667 3.88 0.60 to0.608.20 to8.20
2024 14.616to14.6165,03873,631 3.72 0.60 to0.605.44 to5.44
2023 13.862to13.8625,03869,834 4.57 0.60 to0.608.76 to8.76
2022 12.746to12.7465,03864,210 3.70 0.60 to0.60(11.79)to(11.79)
2021 14.449to14.4495,03872,792 2.53 0.60 to0.603.12 to3.12
Franklin Income VIP Fund - Class 1
2025 20.748to20.748776 16,109 4.89 0.60 to0.6012.20 to12.20
2024 18.492to18.492659 12,187 7.04 0.60 to0.606.81 to6.81
2023 17.313to17.31381 1,404 5.37 0.60 to0.608.23 to8.23
2022 15.997to15.997221 3,535 5.05 0.60 to0.60(5.81)to(5.81)
2021 16.983to16.983368 6,251 4.76 0.60 to0.6016.31 to16.31
43

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
Franklin Income VIP Fund - Class 2
2025 $27.324 to$27.3243,595$98,231 5.07 %1.25 %to1.25%11.16 %to11.16%
2024 24.581to24.5814,292105,509 5.18 1.25 to1.255.87 to5.87
2023 23.219to23.2195,173120,111 5.01 1.25 to1.257.28 to7.28
2022 21.644to21.6446,126132,587 4.97 1.25 to1.25(6.65)to(6.65)
2021 23.185to23.1857,069163,891 4.67 1.25 to1.2515.30 to15.30
Franklin Mutual Global Discovery VIP Fund - Class 1
2025 31.087to31.08754917,077 2.08 0.60 to0.6022.88 to22.88
2024 25.299to25.29956114,197 1.96 0.60 to0.604.35 to4.35
2023 24.244to24.24454913,319 2.66 0.60 to0.6019.83 to19.83
2022 20.232to20.23257811,688 1.68 0.60 to0.60(5.09)to(5.09)
2021 21.317to21.31760812,950 2.45 0.60 to0.6018.72 to18.72
Franklin Mutual Shares VIP Fund - Class 1
2025 28.531to28.5319,116260,101 2.28 0.60 to0.6011.15 to11.15
2024 25.670to25.6709,116234,020 2.20 0.60 to0.6010.82 to10.82
2023 23.163to23.1639,116211,164 2.14 0.60 to0.6013.05 to13.05
2022 20.489to20.4899,116186,788 1.51 0.60 to0.60(7.71)to(7.71)
2021 22.201to22.20121,873485,600 3.36 0.60 to0.6018.81 to18.81
Franklin Mutual Shares VIP Fund - Class 2
2025 32.690to32.6904,240138,594 2.05 1.25 to1.2510.13 to10.13
2024 29.682to29.6824,369129,672 2.00 1.25 to1.259.88 to9.88
2023 27.012to27.0124,558123,128 1.89 1.25 to1.2512.06 to12.06
2022 24.106to24.1064,708113,493 1.83 1.25 to1.25(8.58)to(8.58)
2021 26.368to26.3684,955130,654 2.90 1.25 to1.2517.69 to17.69
Franklin Rising Dividends VIP Fund - Class 1
2025 43.470to43.4707,522326,996 1.01 0.60 to0.6011.38 to11.38
2024 39.028to39.0287,866307,006 1.19 0.60 to0.6010.37 to10.37
2023 35.361to35.3618,257291,987 1.11 0.60 to0.6011.72 to11.72
2022 31.651to31.6518,761 277,306 0.87 0.60 to0.60(10.88)to(10.88)
2021 35.515to35.51515,639 555,416 1.09 0.60 to0.6026.34 to26.34
Franklin Small-Mid Cap Growth VIP Fund - Class 2
2025 29.905to29.9052,69880,704 — 1.25 to1.251.24 to1.24
2024 29.538to29.5382,95087,157 — 1.25 to1.259.65 to9.65
2023 26.938to26.9383,28788,546 — 1.25 to1.2525.16 to25.16
2022 21.522to21.5224,15089,333 — 1.25 to1.25(34.51)to(34.51)
2021 32.865to32.8655,551182,443 — 1.25 to1.258.65 to8.65
Franklin Strategic Income VIP Fund - Class 1
2025 14.144to14.14415,869224,454 4.87 0.60 to0.606.78 to6.78
2024 13.246to13.24615,956211,356 4.50 0.60 to0.603.70 to3.70
2023 12.774to12.77416,697213,287 4.67 0.60 to0.607.72 to7.72
2022 11.858to11.85816,879200,156 4.38 0.60 to0.60(11.00)to(11.00)
2021 13.323to13.32317,052227,177 3.54 0.60 to0.601.67 to1.67
Franklin U.S. Government Securities VIP Fund - Class 1
2025 10.919to10.9191,43115,619 3.31 0.60 to0.606.37 to6.37
2024 10.265to10.2651,34413,798 3.28 0.60 to0.600.88 to0.88
44

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
Franklin U.S. Government Securities VIP Fund - Class 1 (continued)
2023 $10.175 to$10.1751,179$11,993 2.44 %0.60 %to0.60%4.13 %to4.13%
2022 9.771to9.7711,77617,357 2.76 0.60 to0.60(10.04)to(10.04)
2021 10.861to10.8614,56849,611 2.64 0.60 to0.60(2.21)to(2.21)
Franklin U.S. Government Securities VIP Fund - Class 2
2025 16.117to16.1172,37738,310 3.29 1.25 to1.255.37 to5.37
2024 15.296to15.2962,42137,031 3.07 1.25 to1.250.10 to0.10
2023 15.281to15.2812,56139,128 2.71 1.25 to1.253.17 to3.17
2022 14.811to14.8112,61738,756 2.45 1.25 to1.25(10.87)to(10.87)
2021 16.618to16.6183,29854,803 2.78 1.25 to1.25(3.05)to(3.05)
Invesco American Franchise Fund I
2025 46.458to46.4584,338201,522 — 1.25 to1.2510.28 to10.28
2024 42.128to42.1284,679197,102 — 1.25 to1.2533.20 to33.20
2023 31.627to31.6274,788151,414 — 1.25 to1.2539.18 to39.18
2022 22.723to22.7234,900111,346 — 1.25 to1.25(31.97)to(31.97)
2021 33.401to33.4015,053168,783 — 1.25 to1.2510.54 to10.54
Invesco EQV International Equity I
2025 22.366to22.3669,496212,391 1.45 0.60 to0.6015.80 to15.80
2024 19.314to19.3149,496183,408 1.77 0.60 to0.600.01 to0.01
2023 19.312to19.3129,496183,389 0.20 0.60 to0.6017.44 to17.44
2022 16.444to16.4449,862162,162 1.74 0.60 to0.60(18.80)to(18.80)
2021 20.250to20.2509,862199,692 1.28 0.60 to0.605.25 to5.25
Invesco EQV International Equity II
2025 21.224to21.2242,44751,930 1.21 1.25 to1.2514.79 to14.79
2024 18.490to18.4902,52146,612 1.56 1.25 to1.25(0.91)to(0.91)
2023 18.660to18.6602,59248,369 — 1.25 to1.2516.41 to16.41
2022 16.030to16.0302,73443,833 1.16 1.25 to1.25(19.52)to(19.52)
2021 19.917to19.9173,83976,463 1.08 1.25 to1.254.29 to4.29
Invesco Global Real Estate
2025 15.700to36.8951,80966,727 2.05 0.60 to1.257.20 to6.51
2024 14.645to34.6401,83463,557 2.54 0.60 to1.25(2.39)to(3.03)
2023 15.004to35.7221,92368,700 1.50 0.60 to1.258.40 to7.70
2022 13.841to33.1692,15067,468 2.04 0.60 to1.25(25.39)to(25.87)
2021 18.550to44.7427,487191,009 2.05 0.60 to1.2524.96 to24.15
Janus Henderson Enterprise Portfolio1
2025 51.738to51.738— — 0.60 to0.607.03 to7.03
2024 48.341to48.341— — 0.60 to0.6014.91 to14.91
2023 42.069to42.069— — 0.60 to0.6017.37 to17.37
2022 35.844to35.84440714,608 0.20 0.60 to0.60(16.44)to(16.44)
2021 42.897to42.89740717,480 0.35 0.60 to0.6016.13 to16.13
Janus Henderson Flexible Bond
2025 12.610to12.61017,640222,432 5.29 0.60 to0.606.76 to6.76
2024 11.812to11.81217,737209,499 4.94 0.60 to0.601.35 to1.35
2023 11.655to11.65517,879208,383 4.28 0.60 to0.604.88 to4.88
45

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
Janus Henderson Flexible Bond (continued)
2022 $11.113 to$11.11318,080$200,927 2.49 %0.60 %to0.60%(14.18)%to(14.18)%
2021 12.949to12.94918,267236,529 1.83 0.60 to0.60(1.49)to(1.49)
Janus Henderson Mid Cap Value Portfolio
2025 30.423to30.4231374,161 — 0.60 to0.605.86 to5.86
2024 28.739to28.7391373,930 0.98 0.60 to0.6012.42 to12.42
2023 25.563to25.5631373,496 1.13 0.60 to0.6010.73 to10.73
2022 23.085to23.0851373,155 0.13 0.60 to0.60(6.12)to(6.12)
2021 24.591to24.5914,405108,334 0.45 0.60 to0.6019.01 to19.01
LVIP American Century Balanced Fund Standard Class II
2025 32.523to32.5234,374142,244 1.90 1.25 to1.258.25 to8.25
2024 30.043to30.0434,383131,674 2.06 1.25 to1.2510.67 to10.67
2023 27.147to27.1474,518122,648 1.94 1.25 to1.2514.97 to14.97
2022 23.613to23.6134,574107,999 1.20 1.25 to1.25(18.29)to(18.29)
2021 28.900to28.9004,834139,711 0.71 1.25 to1.2514.33 to14.33
LVIP American Century International Fund Standard Class II
2025 20.249to20.24911,672236,340 1.22 1.25 to1.2514.54 to14.54
2024 17.678to17.67812,239216,356 1.61 1.25 to1.251.32 to1.32
2023 17.447to17.44712,486217,840 1.37 1.25 to1.2511.18 to11.18
2022 15.693to15.69312,876202,066 1.46 1.25 to1.25(25.69)to(25.69)
2021 21.118to21.11813,380282,551 0.16 1.25 to1.257.40 to7.40
LVIP American Century Mid Cap Value Fund Standard Class II1
2025 36.380to36.380— — 0.60 to0.608.34 to8.34
2024 33.579to33.5791454,870 2.58 0.60 to0.608.07 to8.07
2023 31.071to31.0711454,506 2.36 0.60 to0.605.50 to5.50
2022 29.451to29.45148314,235 2.29 0.60 to0.60(1.78)to(1.78)
2021 29.985to29.98596728,990 1.17 0.60 to0.6022.47 to22.47
LVIP American Century Value Fund Standard Class II
2025 38.199to49.74410,617417,987 1.67 0.60 to1.2515.32 to14.58
2024 33.123to43.41410,841372,445 2.97 0.60 to1.258.82 to8.11
2023 30.438to40.15611,102353,096 2.39 0.60 to1.258.45 to7.75
2022 28.067to37.26911,427338,086 1.99 0.60 to1.25(0.06)to(0.70)
2021 28.083to37.53320,650601,605 1.73 0.60 to1.2523.76 to22.96
LVIP JPMorgan Mid Cap Value Fund - Standard Class
2025 34.828to65.3157,307325,978 1.13 0.60 to1.254.09 to3.41
2024 33.460to63.1597,499321,950 1.27 0.60 to1.2513.60 to12.86
2023 29.455to55.9637,548286,989 3.18 0.60 to1.2510.25 to9.54
2022 26.717to51.0898,123277,729 0.96 0.60 to1.25(8.71)to(9.30)
2021 29.265to56.3268,763328,035 0.99 0.60 to1.2529.11 to28.27
LVIP JPMorgan U.S. Equity Fund - Standard Class
2025 52.189to52.1891,21663,473 0.46 1.25 to1.2513.12 to13.12
2024 46.137to46.1371,28459,247 0.52 1.25 to1.2522.44 to22.44
2023 37.682to37.6821,34050,484 1.56 1.25 to1.2525.59 to25.59
2022 30.005to30.0051,39941,981 0.53 1.25 to1.25(19.70)to(19.70)
46

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
LVIP JPMorgan U.S. Equity Fund - Standard Class (continued)
2021 $37.367 to$37.3671,475$55,123 0.73 %1.25 %to1.25%27.74 %to27.74%
LVIP Nomura SMID Cap Core1
2025 37.393to37.3934,937184,600 0.58 0.60 to0.608.20 to8.20
2024 34.559to34.5594,937170,607 0.62 0.60 to0.6014.04 to14.04
2023 30.305to30.3054,937149,604 1.14 0.60 to0.6015.76 to15.76
2022 26.179to26.1794,937129,239 0.46 0.60 to0.60(14.25)to(14.25)
2021 30.528to30.5284,937150,709 0.97 0.60 to0.6022.44 to22.44
Merger VL
2025 14.776to14.7761,18517,513 3.83 0.60 to0.607.99 to7.99
2024 13.683to13.6831,62022,171 1.50 0.60 to0.602.81 to2.81
2023 13.309to13.3092,10427,996 1.78 0.60 to0.603.72 to3.72
2022 12.832to12.8322,47531,762 1.55 0.60 to0.600.28 to0.28
2021 12.796to12.7962,47531,660 — 0.60 to0.600.48 to0.48
MFS Growth Series1
2025 68.021to68.021— — — 0.60 to0.6011.52 to11.52
2024 60.992to60.992— — — 0.60 to0.6030.67 to30.67
2023 46.675to46.675— — — 0.60 to0.6035.05 to35.05
2022 34.560to34.560— — — 0.60 to0.60(32.04)to(32.04)
2021 50.857to50.8574,263 216,795 — 0.60 to0.6022.80 to22.80
MFS International Growth Portfolio
2025 29.583to29.583104 3,082 0.92 0.60 to0.6020.39 to20.39
2024 24.572to24.572104 2,561 0.98 0.60 to0.608.34 to8.34
2023 22.680to22.680104 2,364 1.39 0.60 to0.6014.03 to14.03
2022 19.889to19.889376 7,470 0.61 0.60 to0.60(15.46)to(15.46)
2021 23.526to23.526376 8,835 0.51 0.60 to0.608.61 to8.61
MFS International Intrinsic Value Portfolio
2025 37.349to37.34911,818 441,392 1.56 0.60 to0.6032.46 to32.46
2024 28.196to28.19611,960 337,237 1.36 0.60 to0.606.60 to6.60
2023 26.450to26.45011,970 316,600 0.72 0.60 to0.6016.95 to16.95
2022 22.616to22.61612,631 285,667 0.64 0.60 to0.60(24.02)to(24.02)
2021 29.764to29.76422,803678,705 0.24 0.60 to0.609.90 to9.90
MFS New Discovery Series
2025 36.617to36.61729010,633 — 0.60 to0.6012.29 to12.29
2024 32.610to32.6102909,469 — 0.60 to0.606.08 to6.08
2023 30.741to30.7412908,926 — 0.60 to0.6013.73 to13.73
2022 27.03to27.03454 12,285 — 0.60 to0.60(30.18)to(30.18)
2021 38.713to38.71345417,598 — 0.60 to0.601.19 to1.19
MFS Utilities Series
2025 29.520to29.5202,489 73,473 2.86 0.60 to0.6014.32 to14.32
2024 25.822to25.8222,816 72,725 2.33 0.60 to0.6010.99 to10.99
2023 23.266to23.2662,999 69,772 3.58 0.60 to0.60(2.69)to(2.69)
2022 23.910to23.9103,318 79,339 2.52 0.60 to0.600.15 to0.15
2021 23.873to23.8734,186 99,936 1.76 0.60 to0.6013.41 to13.41
47

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
Nomura VIP Emerging Markets Series - Standard Class1
2025 $29.277 to$29.27712,472$365,152 1.48 %0.60 %to0.60%80.18 %to80.18%
2024 16.249to16.24912,472202,656 2.59 0.60 to0.604.46 to4.46
2023 15.555to15.55512,472194,011 1.58 0.60 to0.6013.11 to13.11
2022 13.752to13.75212,696174,590 4.05 0.60 to0.60(28.02)to(28.02)
2021 19.105to19.10531,446600,772 0.18 0.60 to0.60(3.42)to(3.42)
Nomura VIP Small Cap Value Series - Standard Class1
2025 32.208to32.2082,27673,311 1.28 0.60 to0.607.51 to7.51
2024 29.957to29.9572,27568,148 1.33 0.60 to0.6010.65 to10.65
2023 27.074to27.0742,28561,868 0.95 0.60 to0.608.79 to8.79
2022 24.886to24.8862,28356,826 0.82 0.60 to0.60(12.61)to(12.61)
2021 28.478to28.4782,28465,054 0.82 0.60 to0.6033.61 to33.61
PIMCO All Asset Institutional Class
2025 18.268to18.2681132,061 4.58 0.60 to0.6013.66 to13.66
2024 16.073to16.0731,18419,032 6.54 0.60 to0.603.32 to3.32
2023 15.556to15.5561,12417,484 3.07 0.60 to0.607.64 to7.64
2022 14.452to14.4521,10115,912 7.21 0.60 to0.60(12.19)to(12.19)
2021 16.458to16.45823,346384,216 11.11 0.60 to0.6015.72 to15.72
PIMCO CommodityRealReturn Strat. Institutional Class
2025 10.020to10.0202,13421,382 3.05 0.60 to0.6018.36 to18.36
2024 8.466to8.4662,13418,066 2.39 0.60 to0.603.71 to3.71
2023 8.163to8.1632,13417,420 16.25 0.60 to0.60(8.29)to(8.29)
2022 8.901to8.9012,13418,996 21.09 0.60 to0.608.14 to8.14
2021 8.231to8.2312,13417,566 4.44 0.60 to0.6032.67 to32.67
PIMCO Dynamic Bond - Institutional Class1
2025 13.914to13.914— — 0.60 to0.607.62 to7.62
2024 12.929to12.929— 0.27 0.60 to0.605.13 to5.13
2023 12.298to12.2986517,995 3.86 0.60 to0.606.62 to6.62
2022 11.534to11.5346517,500 2.09 0.60 to0.60(6.78)to(6.78)
2021 12.373to12.37310,999136,082 2.23 0.60 to0.600.83 to0.83
PIMCO Emerging Markets Bond Institutional Class
2025 15.666to15.6661,22219,137 7.14 0.60 to0.6014.46 to14.46
2024 13.687to13.6871,61122,035 6.59 0.60 to0.607.04 to7.04
2023 12.787to12.7871,57320,106 5.86 0.60 to0.6010.61 to10.61
2022 11.560to11.5601,95122,545 4.80 0.60 to0.60(16.09)to(16.09)
2021 13.776to13.77611,167153,846 4.63 0.60 to0.60(3.00)to(3.00)
PIMCO Global Bond Opportunities (Unhedged) - Institutional Class
2025 11.054to11.0541281,420 4.68 0.60 to0.6012.26 to12.26
2024 9.847to9.8471281,265 3.68 0.60 to0.60(0.96)to(0.96)
2023 9.942to9.9421281,277 2.40 0.60 to0.604.78 to4.78
2022 9.488to9.4881281,218 1.41 0.60 to0.60(11.40)to(11.40)
2021 10.709to10.70922,026235,870 5.12 0.60 to0.60(4.59)to(4.59)
PIMCO Low Duration Institutional Class
2025 11.682to11.6828,11294,763 4.09 0.60 to0.605.04 to5.04
48

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
PIMCO Low Duration Institutional Class (continued)
2024 $11.121 to$11.1218,112$90,208 4.14 %0.60 %to0.60%4.02 %to4.02%
2023 10.691to10.6918,11286,721 3.75 0.60 to0.604.51 to4.51
2022 10.230to10.2308,11282,985 1.83 0.60 to0.60(6.16)to(6.16)
2021 10.902to10.9028,11288,436 0.66 0.60 to0.60(1.38)to(1.38)
PIMCO Real Return Institutional Class
2025 12.060to12.0602,71632,747 3.48 0.60 to0.607.36 to7.36
2024 11.233to11.2332,87032,229 2.76 0.60 to0.601.67 to1.67
2023 11.048to11.0482,87031,699 3.15 0.60 to0.603.20 to3.20
2022 10.705to10.7053,22934,562 7.21 0.60 to0.60(12.30)to(12.30)
2021 12.206to12.2063,74245,671 5.10 0.60 to0.605.11 to5.11
PIMCO StocksPLUS Global Portfolio Institutional Class1
2025 32.052to32.052— — 0.60 to0.6023.75 to23.75
2024 25.900to25.900— — 0.60 to0.6013.02 to13.02
2023 22.916to22.916— 1.78 0.60 to0.6022.29 to22.29
2022 18.739to18.7392574,819 1.36 0.60 to0.60(19.00)to(19.00)
2021 23.135to23.1352575,951 0.23 0.60 to0.6018.80 to18.80
PIMCO Total Return Institutional Class
2025 12.748to12.74814,076179,430 4.25 0.60 to0.608.40 to8.40
2024 11.760to11.76014,072165,480 4.19 0.60 to0.602.07 to2.07
2023 11.522to11.52214,739169,801 3.71 0.60 to0.605.46 to5.46
2022 10.925to10.92519,709 215,325 2.61 0.60 to0.60(14.69)to(14.69)
2021 12.806to12.80657,770 739,783 1.97 0.60 to0.60(1.71)to(1.71)
Royce Capital Micro-Cap1
2025 26.624to26.624— — 0.60 to0.6013.21 to13.21
2024 23.517to23.517— — 0.60 to0.6012.99 to12.99
2023 20.814to20.814— — 0.60 to0.6018.07 to18.07
2022 17.628to17.628— — 0.60 to0.60(22.90)to(22.90)
2021 22.863 to22.8632595,924 — 0.60 to0.6029.20 to29.20
Royce Capital Small-Cap
2025 26.755 to26.7551,63743,803 1.94 0.60 to0.608.28 to8.28
2024 24.709 to24.7091,57338,872 1.24 0.60 to0.602.78 to2.78
2023 24.041 to24.0411,54837,208 0.82 0.60 to0.6025.17 to25.17
2022 19.206 to19.2061,69232,498 0.39 0.60 to0.60(9.74)to(9.74)
2021 21.278to21.2781,72936,784 1.43 0.60 to0.6028.05 to28.05
T. Rowe Price All-Cap Opportunities Portfolio
2025 77.574to77.57413,2341,026,622 — 0.60 to0.6015.61 to15.61
2024 67.101to67.10113,299892,378 0.08 0.60 to0.6024.40 to24.40
2023 53.938to53.93813,356720,391 0.26 0.60 to0.6028.19 to28.19
2022 42.075to42.07513,472566,852 — 0.60 to0.60(21.98)to(21.98)
2021 53.928to53.92813,942751,860 — 0.60 to0.6020.07 to20.07
T. Rowe Price Blue Chip Growth
2025 70.482to70.48213,500951,491 — 0.60 to0.6018.03 to18.03
2024 59.717to59.71713,732820,064 — 0.60 to0.6034.69 to34.69
49

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
T. Rowe Price Blue Chip Growth (continued)
2023 $44.335 to$44.33513,959$618,858 — %0.60 %to0.60%48.40 %to48.40%
2022 29.875to29.87513,703409,373 — 0.60 to0.60(38.87)to(38.87)
2021 48.872to48.87221,9791,074,154 — 0.60 to0.6016.92 to16.92
T. Rowe Price Equity Income Portfolio
2025 35.979to35.97912,804460,688 1.66 0.60 to0.6013.68 to13.68
2024 31.650to31.65012,871407,373 1.84 0.60 to0.6011.03 to11.03
2023 28.506to28.50612,930368,583 2.10 0.60 to0.608.89 to8.89
2022 26.179to26.17913,178345,002 1.79 0.60 to0.60(3.92)to(3.92)
2021 27.247to27.24720,302553,188 1.57 0.60 to0.6024.80 to24.80
T. Rowe Price Health Sciences Portfolio
2025 53.360to53.36014,491773,214 — 0.60 to0.6017.40 to17.40
2024 45.453to45.45314,518659,902 — 0.60 to0.601.04 to1.04
2023 44.984to44.98414,565655,175 — 0.60 to0.602.35 to2.35
2022 43.953to43.95314,828651,742 — 0.60 to0.60(13.00)to(13.00)
2021 50.518to50.51817,686893,481 — 0.60 to0.6012.42 to12.42
T. Rowe Price International Stock Portfolio
2025 23.404to23.40414,130330,696 1.98 0.60 to0.6017.71 to17.71
2024 19.883to19.88314,204282,421 0.95 0.60 to0.602.63 to2.63
2023 19.374to19.37414,269276,439 1.01 0.60 to0.6015.55 to15.55
2022 16.767to16.76714,321240,120 0.79 0.60 to0.60(16.32)to(16.32)
2021 20.037to20.03714,366287,847 0.54 0.60 to0.600.72 to0.72
Templeton Developing Markets VIP Fund - Class 2
2025 39.064to39.06448819,048 0.41 1.25 to1.2544.45 to44.45
2024 27.043to27.0431,07629,105 3.98 1.25 to1.256.33 to6.33
2023 25.434to25.4341,04826,648 2.07 1.25 to1.2511.23 to11.23
2022 22.867to22.8671,08324,761 2.73 1.25 to1.25(22.95)to(22.95)
2021 29.679to29.6791,00029,680 0.87 1.25 to1.25(6.91)to(6.91)
Templeton Global Bond VIP Fund - Class 1
2025 10.337to10.3372,38924,696 — 0.60 to0.6015.39 to15.39
2024 8.958to8.9582,38421,358 — 0.60 to0.60(11.67)to(11.67)
2023 10.141to10.1412,39724,307 — 0.60 to0.602.58 to2.58
2022 9.886to9.8862,70126,700 — 0.60 to0.60(5.42)to(5.42)
2021 10.452to10.45211,512120,320 — 0.60 to0.60(5.20)to(5.20)
Templeton Growth VIP Fund - Class 2
2025 26.660to26.6601,01327,003 0.69 1.25 to1.2522.29 to22.29
2024 21.801to21.8012,12346,281 0.95 1.25 to1.254.09 to4.09
2023 20.945to20.9452,15845,189 3.30 1.25 to1.2519.51 to19.51
2022 17.525to17.5252,29340,192 0.16 1.25 to1.25(12.60)to(12.60)
2021 20.052to20.0522,34146,949 1.11 1.25 to1.253.57 to3.57
50

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
TVST Touchstone Common Stock Fund
2025 $55.194 to$55.1942,073$114,397 0.56 %0.60 %to0.60%17.13 %to17.13%
2024 47.124to47.1242,07397,672 0.67 0.60 to0.6020.75 to20.75
2023 39.027to39.0272,07380,889 0.45 0.60 to0.6025.90 to25.90
2022 30.999to30.9992,07364,250 0.42 0.60 to0.60(18.15)to(18.15)
2021 37.872to37.8722,07378,496 0.56 0.60 to0.6027.08 to27.08
VanEck Global Resources Fund
2025 13.783to13.78324,483337,458 2.53 0.60 to0.6035.66 to35.66
2024 10.160to10.16024,483248,742 2.61 0.60 to0.60(3.41)to(3.41)
2023 10.519to10.51924,483257,543 2.84 0.60 to0.60(4.16)to(4.16)
2022 10.976to10.97624,829272,520 1.25 0.60 to0.607.75 to7.75
2021 10.187to10.18752,005529,760 0.48 0.60 to0.6018.21 to18.21
Vanguard Balanced
2025 33.780to33.78015,216514,010 2.07 0.60 to0.6015.77 to15.77
2024 29.179to29.17917,650515,001 2.25 0.60 to0.6014.11 to14.11
2023 25.571to25.57117,556448,929 2.07 0.60 to0.6013.64 to13.64
2022 22.501to22.50119,769444,828 2.24 0.60 to0.60(14.81)to(14.81)
2021 26.414to26.41459,6751,576,232 2.19 0.60 to0.6018.31 to18.31
Vanguard Capital Growth
2025 69.232to69.2321,476102,212 1.01 0.60 to0.6028.21 to28.21
2024 54.000to54.0001,47679,723 1.11 0.60 to0.6012.73 to12.73
2023 47.903to47.9031,50572,086 1.02 0.60 to0.6027.22 to27.22
2022 37.654to37.6541,93472,825 1.02 0.60 to0.60(15.99)to(15.99)
2021 44.821to44.8212,720121,929 0.97 0.60 to0.6020.81 to20.81
Vanguard Equity Income
2025 43.048to43.048103,8114,468,894 2.45 0.60 to0.6016.10 to16.10
2024 37.079to37.079105,4243,908,991 2.84 0.60 to0.6014.43 to14.43
2023 32.404to32.404106,2443,442,721 2.67 0.60 to0.607.45 to7.45
2022 30.156to30.156108,3823,268,398 2.64 0.60 to0.60(1.26)to(1.26)
2021 30.540to30.540115,2003,518,159 1.89 0.60 to0.6024.58 to24.58
Vanguard Equity Index
2025 59.033to59.0336,257369,349 1.06 0.60 to0.6017.00 to17.00
2024 50.457to50.4576,286317,152 1.28 0.60 to0.6024.09 to24.09
2023 40.662to40.6626,325257,173 1.40 0.60 to0.6025.36 to25.36
2022 32.436to32.4366,356206,146 1.27 0.60 to0.60(18.72)to(18.72)
2021 39.905to39.9054,304171,770 1.29 0.60 to0.6027.78 to27.78
Vanguard High Yield Bond
2025 18.550to18.55010,444193,738 6.37 0.60 to0.608.53 to8.53
2024 17.092to17.09210,483179,182 5.57 0.60 to0.605.81 to5.81
2023 16.154to16.15410,522169,976 4.53 0.60 to0.6011.00 to11.00
51

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
Vanguard High Yield Bond (continued)
2022 $14.553 to$14.5538,850$128,801 5.83 %0.60 %to0.60%(9.91)%to(9.91)%
2021 16.153to16.15334,507557,388 4.17 0.60 to0.603.06 to3.06
Vanguard International
2025 33.569to33.5691,56852,626 0.82 0.60 to0.6019.25 to19.25
2024 28.150to28.1501,93654,494 1.19 0.60 to0.608.36 to8.36
2023 25.979to25.9791,94950,637 1.77 0.60 to0.6013.97 to13.97
2022 22.795to22.7957,369167,968 1.46 0.60 to0.60(30.54)to(30.54)
2021 32.817to32.81713,006426,814 0.27 0.60 to0.60(2.13)to(2.13)
Vanguard Mid-Cap Index
2025 42.465to42.4652,567109,019 1.23 0.60 to0.6010.87 to10.87
2024 38.301to38.3012,56798,328 1.37 0.60 to0.6014.38 to14.38
2023 33.485to33.4852,56785,965 1.40 0.60 to0.6015.14 to15.14
2022 29.082to29.0822,76580,409 1.21 0.60 to0.60(19.31)to(19.31)
2021 36.040to36.0405,463196,898 1.08 0.60 to0.6023.61 to23.61
Vanguard Real Estate Index
2025 21.654to21.65415,191328,946 2.69 0.60 to0.602.49 to2.49
2024 21.127to21.12717,369366,960 3.12 0.60 to0.604.11 to4.11
2023 20.293to20.29317,452354,155 2.47 0.60 to0.6011.03 to11.03
2022 18.277to18.27714,418263,509 2.25 0.60 to0.60(26.74)to(26.74)
2021 24.947to24.94731,449784,549 2.10 0.60 to0.6039.37 to39.37
Vanguard Short Term Investment Grade
2025 12.948to12.94839,191507,431 4.18 0.60 to0.606.22 to6.22
2024 12.190to12.19016,345199,249 3.12 0.60 to0.604.26 to4.26
2023 11.692to11.6926,03270,529 2.99 0.60 to0.605.52 to5.52
2022 11.080to11.08040,747451,472 2.36 0.60 to0.60(6.28)to(6.28)
2021 11.823to11.82362,961744,383 1.84 0.60 to0.60(1.05)to(1.05)
Vanguard Small Company Growth
2025 37.337to37.33760722,687 0.47 0.60 to0.605.47 to5.47
2024 35.400to35.40060721,510 0.53 0.60 to0.6010.71 to10.71
2023 31.976to31.97660719,430 0.40 0.60 to0.6018.94 to18.94
2022 26.885to26.88560716,338 0.26 0.60 to0.60(25.80)to(25.80)
2021 36.233to36.23350518,322 0.35 0.60 to0.6013.53 to13.53
Vanguard Total Bond Market Index
2025 11.733to11.73335,294414,091 3.45 0.60 to0.606.31 to6.31
2024 11.037to11.03742,012463,709 2.78 0.60 to0.600.63 to0.63
2023 10.968to10.96841,987460,521 2.30 0.60 to0.604.95 to4.95
2022 10.451to10.45132,250337,043 2.16 0.60 to0.60(13.74)to(13.74)
2021 12.115to12.11533,538406,296 2.58 0.60 to0.60(2.30)to(2.30)
52

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
Vanguard Total Stock Market Index
2025 $55.969 to$55.9692,754$154,156 1.20 %0.60 %to0.60%16.23 %to16.23%
2024 48.152to48.1525,014241,425 1.27 0.60 to0.6022.97 to22.97
2023 39.158to39.1586,972272,996 1.04 0.60 to0.6025.20 to25.20
2022 31.277to31.2775,982187,095 1.39 0.60 to0.60(20.07)to(20.07)
2021 39.131to39.13117,458683,134 1.27 0.60 to0.6024.89 to24.89
Victory Pioneer Bond VCT Portfolio Class I1
2025 46.828to46.82819,091 893,983 4.51 1.25 to1.257.81 to7.81
2024 43.434to43.43421,274 924,007 4.49 1.25 to1.251.88 to1.88
2023 42.633to42.63322,872 975,136 3.94 1.25 to1.255.63 to5.63
2022 40.361to40.36124,732998,197 2.42 1.25 to1.25(15.26)to(15.26)
2021 47.631to47.63129,2021,390,932 2.21 1.25 to1.25(0.87)to(0.87)
Victory Pioneer Equity Income VCT Portfolio Class II1
2025 38.962to38.96239515,392 1.79 1.25 to1.259.76 to9.76
2024 35.499to35.4991,33847,493 1.97 1.25 to1.259.59 to9.59
2023 32.394to32.3941,35643,916 1.67 1.25 to1.255.85 to5.85
2022 30.605to30.6051,45644,574 1.55 1.25 to1.25(9.08)to(9.08)
2021 33.663to33.6631,51050,837 1.22 1.25 to1.2523.77 to23.77
Victory Pioneer Fund VCT Portfolio Class I1
2025 318.314to318.314102,57532,650,928 0.45 1.25 to1.2521.82 to21.82
2024 261.288to261.288116,17130,354,132 0.71 1.25 to1.2521.12 to21.12
2023 215.721to215.721128,62327,746,712 0.87 1.25 to1.2527.33 to27.33
2022 169.415to169.415143,54424,318,468 0.64 1.25 to1.25(20.49)to(20.49)
2021 213.083to213.083158,39533,751,356 0.32 1.25 to1.2526.39 to26.39
Victory Pioneer High Yield VCT Portfolio Class II1
2025 21.968to21.9683136,877 5.86 1.25 to1.256.58 to6.58
2024 20.611to20.61189218,384 5.54 1.25 to1.257.15 to7.15
2023 19.236to19.23681715,708 5.31 1.25 to1.259.62 to9.62
2022 17.548to17.54881014,211 4.81 1.25 to1.25(12.54)to(12.54)
2021 20.063to20.0631,24624,992 4.86 1.25 to1.254.14 to4.14
Victory Pioneer Mid Cap Value VCT Portfolio Class I1
2025 75.926to75.92625,3141,922,022 2.04 1.25 to1.259.80 to9.80
2024 69.147to69.14728,1841,948,815 1.90 1.25 to1.259.55 to9.55
2023 63.119to63.11931,2381,971,681 1.95 1.25 to1.2511.06 to11.06
2022 56.832to56.83232,8171,865,069 2.09 1.25 to1.25(6.81)to(6.81)
2021 60.985to60.98534,5542,107,263 0.96 1.25 to1.2528.06 to28.06
Victory Pioneer Select Mid Cap Growth VCT Portfolio Class I1
2025 221.890to221.89067,40614,956,780 — 1.25 to1.2518.98 to18.98
2024 186.493to186.49374,08813,816,937 — 1.25 to1.2522.39 to22.39
2023 152.382to152.38281,26512,383,338 — 1.25 to1.2517.30 to17.30
2022 129.908to129.90888,47711,493,891 — 1.25 to1.25(31.91)to(31.91)
2021 190.800to190.80097,62318,626,372 — 1.25 to1.256.73 to6.73
Victory Pioneer Strategic Income VCT Portfolio Class I1
2025 15.005to15.0056,19192,891 4.63 0.60 to0.6010.44 to10.44
53

Symetra Resource Variable Account B
Notes to Financial Statements
6.ACCUMULATION UNIT VALUES (continued)
As of December 31,For the Year Ended December 31,
Sub-AccountYear Ended Unit Fair Value Corresponding to Lowest to Highest Expense Ratio  Units Outstanding Net Assets
Net Investment Income Ratio2
Expense Ratio
Lowest to Highest3
Total Return Corresponding to Lowest to Highest Expense Ratio4
Victory Pioneer Strategic Income VCT Portfolio Class I1 (continued)
2024 $13.586 to$13.5864,888$66,406 4.30 %0.60 %to0.60%3.64 %to3.64%
2023 13.109to13.1095,50972,220 3.86 0.60 to0.607.67 to7.67
2022 12.175to12.1755,50967,070 3.15 0.60 to0.60(13.21)to(13.21)
2021 14.028to14.0285,50977,281 3.28 0.60 to0.601.37 to1.37
Victory Pioneer Strategic Income VCT Portfolio Class II1
2025 19.071to19.0711,11321,230 4.45 1.25 to1.259.48 to9.48
2024 17.420to17.4202,73847,698 4.05 1.25 to1.252.59 to2.59
2023 16.981to16.9812,70045,842 3.61 1.25 to1.256.72 to6.72
2022 15.912to15.9122,74143,609 2.87 1.25 to1.25(13.92)to(13.92)
2021 18.486to18.4863,86471,430 3.04 1.25 to1.250.47 to0.47
Virtus Duff & Phelps Real Estate Securities Series I
2025 20.675to20.6751813,735 2.96 0.60 to0.600.40 to0.40
2024 20.593to20.5931813,732 2.35 0.60 to0.6010.48 to10.48
2023 18.639to18.6391813,378 1.72 0.60 to0.6010.65 to10.65
2022 16.845to16.8453365,677 1.32 0.60 to0.60(26.34)to(26.34)
2021 22.870to22.8703367,705 1.06 0.60 to0.6045.99 to45.99
Virtus KAR Small-Cap Growth Series I
2025 38.155to38.15582331,402 — 0.60 to0.60(22.91)to(22.91)
2024 49.493to49.49382340,734 — 0.60 to0.609.33 to9.33
2023 45.268to45.26882337,256 — 0.60 to0.6019.28 to19.28
2022 37.951to37.9511,01338,463 — 0.60 to0.60(30.56)to(30.56)
2021 54.655to54.6551,01355,392 — 0.60 to0.604.58 to4.58
VY JPMorgan Emerging Markets Equity Portfolio Initial
2025 43.164to43.16454623,571 0.98 1.25 to1.2537.34 to37.34
2024 31.429to31.42958318,321 1.06 1.25 to1.250.87 to0.87
2023 31.159to31.15962219,375 1.95 1.25 to1.255.48 to5.48
2022 29.539to29.53966119,537 — 1.25 to1.25(26.81)to(26.81)
2021 40.361to40.36170428,435 — 1.25 to1.25(10.96)to(10.96)
1Reference Note 1 of the financial statements for additional information pertaining to this sub-account.
2These amounts represent the dividends, excluding distributions of capital gains, received by the sub-account from the underlying Mutual Funds, net of management fees assessed by the Mutual Fund manager, divided by the trading days' average net assets. These ratios exclude those expenses, such as mortality and expense risk charges, that result in direct reductions in the Unit values. The recognition of investment income by the sub-account is affected by the timing of the declaration of dividends by the underlying Mutual Fund in which the sub-accounts invest.
3These amounts represent the annualized contract expenses of the Separate Account, consisting primarily of mortality and expense risk charges, for the period indicated. The ratios include only those expenses that result in a direct reduction to Unit values. Charges made directly to contract owner accounts through the redemption of Units and expenses of the underlying Mutual Fund are excluded.
4These amounts represent the total return for the periods indicated, including changes in the value of the underlying Mutual Fund, and reflect deductions for all items included in the expense ratio with the exception of Mutual Fund reorganization. Mutual Funds that have reorganized during the year present information through the time of the reorganization. The total return ratio does not include any expenses assessed through the redemption of Units, inclusion of these expenses in the calculation would result in a reduction in the total return presented. The total return is calculated for the period indicated or from the effective commencement date through the end of the reporting period.

54

Symetra Resource Variable Account B
Notes to Financial Statements
7.SUBSEQUENT EVENTS
The Separate Account has evaluated subsequent events through April 22, 2026, the date which the Separate Account's financial statements were available to be issued.


55