WILLIAM S KROGER JR

ipants whose employment is subject to a collective bargaining agreement which provides for safe harbor match or Company automatic contributions are eligible to receive safe harbor matching contributions and automatic contributions on the first day of the calendar quarter on or next following attainment of age 18 and completion of a year of service ( 1,000 hours of service) in a computation period. The initial computation period is the participant’s first 12 months of employment, with any successor computation periods being the plan year. The Company will credit the participant’s account with a safe harbor match and/or an automatic contribution if the participant meets the eligibility requirements. The safe harbor matching contribution is 100 % of the first 5 % of the participant’s Plan com

tions at the end of every payroll period. Subject to certain limits, the Company also makes an automatic contribution of 1 % or 2 % of Plan compensation based on the participant’s years of vesting service. Participants must be employed on the last day of the Plan year to be eligible to receive an automatic contribution. Employees (union and non-union) who are employed by Roundy’s Supermarkets, Inc. are not eligible to receive an automatic contribution. 4 Table of Contents Participant Accounts Each participant account is credited with the participant pre-tax and Roth contributions, safe harbor matching contribution (if any), automatic contribution (if any), and an allocation of Plan earnings or losses. Allocations of earnings or losses are based upon the performance of the investment funds

utions ​ 73,443 ​ 74,000 Notes receivable from participants ​ 157,103 ​ 132,844 ​ ​ 230,546 ​ 206,844 Total assets ​ ​ 13,078,398 ​ ​ 11,809,161 ​ ​ ​ ​ ​ ​ ​ Liabilities: ​ ​ ​ ​ Administrative fees payable ​ ​ 342 ​ ​ 404 Net assets available for benefits ​ $ 13,078,056 ​ $ 11,808,757 ​ See accompanying notes to financial statements. ​ ​ ​ ​ ​ 2 Table of Contents THE KROGER CO. 401(K) RETIREMENT SAVINGS ACCOUNT PLAN Statements of Changes in Net Assets Available for Benefits Years Ended December 31, 2025 and 2024 (In Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2025 ​ 2024 Additions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Participant contributions ​ $ 507,893 ​ $ 427,233 Employer contributions ​ ​ 274,563 ​ ​ 277,314 ​ ​ ​ ​ ​ ​ ​ Investment income ​ 1,761,688 ​ ​ 1,381,092 Interest income on notes receivable from partic