The Universities Superannuation Scheme (USS) is the UK's largest private defined benefit pension scheme by assets, managing 89.6 billion as of August 2021. It provides retirement benefits to over 400,000 members across the higher education sector. Services include defined benefit (DB) and defined contribution (DC) pensions. The target audience is academic and administrative staff in UK universities. The unique selling proposition is its comprehensive, long-term retirement solutions tailored specifically for the higher education sector, offering stability through a multi-employer scheme structure. USS is governed by a trust deed and managed by Universities Superannuation Scheme Limited[1][3][5].