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  <xsd:element name="VanguardInstitutionalTotalInternationalStockMarketIndexTrustCommonCollectiveTrustMember" id="sap_VanguardInstitutionalTotalInternationalStockMarketIndexTrustCommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardInstitutionalTotalBondMarketIndexTrustCommonCollectiveTrustMember" id="sap_VanguardInstitutionalTotalBondMarketIndexTrustCommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardInstitutionalExtendedMarketIndexTrustCommonCollectiveTrustMember" id="sap_VanguardInstitutionalExtendedMarketIndexTrustCommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardRetirementSavingsTrustIiCommonCollectiveTrustMember" id="sap_VanguardRetirementSavingsTrustIiCommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AllspringSpSmallCapValueeCommonCollectiveTrustMember" id="sap_AllspringSpSmallCapValueeCommonCollectiveTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardBrokerageOptionMember" id="sap_VanguardBrokerageOptionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SapAdrStockFundMember" id="sap_SapAdrStockFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardCashReservesFederalMmFundAdmiralSharesInterestBearingCashAccountMember" id="sap_VanguardCashReservesFederalMmFundAdmiralSharesInterestBearingCashAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="Employeebenefitplanmaximumeligiblecompensationforcalculatingemployermatch" id="sap_Employeebenefitplanmaximumeligiblecompensationforcalculatingemployermatch" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="Employeebenefitplanparticipantcontributionpretaxandaftertaxmaximumannualcompensationtototalcompensationpercentage" id="sap_Employeebenefitplanparticipantcontributionpretaxandaftertaxmaximumannualcompensationtototalcompensationpercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanPercentageVestedAfterTwoYearsOfService" id="sap_EmployeeBenefitPlanPercentageVestedAfterTwoYearsOfService" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanPercentageVestedAfterThreeYearsOfService" id="sap_EmployeeBenefitPlanPercentageVestedAfterThreeYearsOfService" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanYearsOfService" id="sap_EmployeeBenefitPlanYearsOfService" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanTermOfBorrowedAmount" id="sap_EmployeeBenefitPlanTermOfBorrowedAmount" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanPercentageAdditionToInterestRateSetByAdministrators" id="sap_EmployeeBenefitPlanPercentageAdditionToInterestRateSetByAdministrators" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanMaximumNumberOfPermittedNotesReceivableWithOutstandingBalances" id="sap_EmployeeBenefitPlanMaximumNumberOfPermittedNotesReceivableWithOutstandingBalances" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanAgeForWhichParticipantsWillNotBeRequiredToCommenceMinimumDistributions." id="sap_EmployeeBenefitPlanAgeForWhichParticipantsWillNotBeRequiredToCommenceMinimumDistributions." type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanMinimumServiceHourThresholdForEmployerDiscretionaryContributions" id="sap_EmployeeBenefitPlanMinimumServiceHourThresholdForEmployerDiscretionaryContributions" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmergingMarketsStockIndexMember" id="sap_EmergingMarketsStockIndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ExplorerMember" id="sap_ExplorerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="GlobalEquityMember" id="sap_GlobalEquityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InternationalGrowthMember" id="sap_InternationalGrowthMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SmallCapIndexMember" id="sap_SmallCapIndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WellingtonMember" id="sap_WellingtonMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WindsorIiMember" id="sap_WindsorIiMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AllspringSpecialMidCapValueFundClassR6Member" id="sap_AllspringSpecialMidCapValueFundClassR6Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BlackrockHighYieldPortfolioClassKMember" id="sap_BlackrockHighYieldPortfolioClassKMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DfaGlobalEquityPortfolioInstitutionalClassMember" id="sap_DfaGlobalEquityPortfolioInstitutionalClassMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DfaUsTargetedValuePortfolioMember" id="sap_DfaUsTargetedValuePortfolioMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FidelityTotalBondK6FundMember" id="sap_FidelityTotalBondK6FundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="JpmorganMidCapGrowthFundClassR6Member" id="sap_JpmorganMidCapGrowthFundClassR6Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PgimGlobalTotalReturnClassR6Member" id="sap_PgimGlobalTotalReturnClassR6Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PimcoIncomeFundMember" id="sap_PimcoIncomeFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TcwMetwestTotalReturnBondFundClassIMember" id="sap_TcwMetwestTotalReturnBondFundClassIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirement2020Member" id="sap_TargetRetirement2020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirement2025Member" id="sap_TargetRetirement2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirement2030Member" id="sap_TargetRetirement2030Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirement2035Member" id="sap_TargetRetirement2035Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirement2040Member" id="sap_TargetRetirement2040Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirement2045Member" id="sap_TargetRetirement2045Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirement2050Member" id="sap_TargetRetirement2050Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirement2055Member" id="sap_TargetRetirement2055Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirement2060Member" id="sap_TargetRetirement2060Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirement2065Member" id="sap_TargetRetirement2065Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirement2070Member" id="sap_TargetRetirement2070Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetRetirementIncomeMember" id="sap_TargetRetirementIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="JpmcbLargeCapGrowthFundCfEClassMember" id="sap_JpmcbLargeCapGrowthFundCfEClassMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardInstitutional500IndexTrustBMember" id="sap_VanguardInstitutional500IndexTrustBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardInstitutionalExtendedMarketIndexTrustBMember" id="sap_VanguardInstitutionalExtendedMarketIndexTrustBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardInstitutionalTotalBondMarketIndexTrustBMember" id="sap_VanguardInstitutionalTotalBondMarketIndexTrustBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardInstitutionalTotalInternationalStockMarketIndexTrustBMember" id="sap_VanguardInstitutionalTotalInternationalStockMarketIndexTrustBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardRetirementSavingsTrustIiMember" id="sap_VanguardRetirementSavingsTrustIiMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardCashReservesFederalMmFundAdmiralSharesMember" id="sap_VanguardCashReservesFederalMmFundAdmiralSharesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
