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<!--Based on XBRL 2.1-->
<!--Created on: 6/26/2026 3:40:53 PM-->
<!--Modified on: 6/26/2026 3:40:53 PM-->
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  <xsd:element name="LoomisSaylesCorePlusFixedIncomeMember" id="kr_LoomisSaylesCorePlusFixedIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateStreetGlobalAllCapEqExUsMember" id="kr_StateStreetGlobalAllCapEqExUsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateStreetSmmidCapIndexClassIiMember" id="kr_StateStreetSmmidCapIndexClassIiMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateStreetSP500IndexMember" id="kr_StateStreetSP500IndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateStreetUsBondIndexMember" id="kr_StateStreetUsBondIndexMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanEmployerMember" id="kr_EmployeeBenefitPlanEmployerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseFromPriorYearFullyBenefitResponsiveInvestmentContractsValueAdjustment" id="kr_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseFromPriorYearFullyBenefitResponsiveInvestmentContractsValueAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitDecreaseFromCurrentYearFullyBenefitResponsiveInvestmentContractsValueAdjustment" id="kr_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitDecreaseFromCurrentYearFullyBenefitResponsiveInvestmentContractsValueAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractPolicyTextBlock" id="kr_EmployeeBenefitPlanFullyBenefitResponsiveInvestmentContractPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanMinimumServicePeriodForPlanEligibility" id="kr_EmployeeBenefitPlanMinimumServicePeriodForPlanEligibility" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanAutomaticRetirementContributionMinimumAge" id="kr_EmployeeBenefitPlanAutomaticRetirementContributionMinimumAge" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanAutomaticRetirementContributionMinimumHoursOfService" id="kr_EmployeeBenefitPlanAutomaticRetirementContributionMinimumHoursOfService" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanAutomaticRetirementContributionMinimumAgeForRetirement" id="kr_EmployeeBenefitPlanAutomaticRetirementContributionMinimumAgeForRetirement" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanAutomaticRetirementContributionMinimumAgeForTermination" id="kr_EmployeeBenefitPlanAutomaticRetirementContributionMinimumAgeForTermination" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanAutomaticRetirementContributionMinimumAgeForTerminationAgeAndServiceCriteria" id="kr_EmployeeBenefitPlanAutomaticRetirementContributionMinimumAgeForTerminationAgeAndServiceCriteria" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanAutomaticRetirementContributionPercentageOfContributionAllocation" id="kr_EmployeeBenefitPlanAutomaticRetirementContributionPercentageOfContributionAllocation" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanMinimumAgeForRetirement" id="kr_EmployeeBenefitPlanMinimumAgeForRetirement" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanThresholdPercentageOfEmployerStockInvestment" id="kr_EmployeeBenefitPlanThresholdPercentageOfEmployerStockInvestment" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanRecordkeepingFees" id="kr_EmployeeBenefitPlanRecordkeepingFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeBenefitPlanAdministrativeFeeCredit" id="kr_EmployeeBenefitPlanAdministrativeFeeCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EmployeeBenefitPlanParticipantWithdrawalsThresholdAge" id="kr_EmployeeBenefitPlanParticipantWithdrawalsThresholdAge" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanFullVestingMinimumServicePeriod" id="kr_EmployeeBenefitPlanFullVestingMinimumServicePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanVestingMinimumHoursOfService" id="kr_EmployeeBenefitPlanVestingMinimumHoursOfService" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanNumberOfConsecutiveBreaksInServiceForForfeiture" id="kr_EmployeeBenefitPlanNumberOfConsecutiveBreaksInServiceForForfeiture" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanNoteReceivableFromParticipantNumberOfLoansPerYearAllowedToBeTaken" id="kr_EmployeeBenefitPlanNoteReceivableFromParticipantNumberOfLoansPerYearAllowedToBeTaken" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanNoteReceivableFromParticipantCoolingOffPeriodForBorrowingNewLoans" id="kr_EmployeeBenefitPlanNoteReceivableFromParticipantCoolingOffPeriodForBorrowingNewLoans" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanNoteReceivableFromParticipantMaximumTerm" id="kr_EmployeeBenefitPlanNoteReceivableFromParticipantMaximumTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanNoteReceivableFromParticipantBasisSpreadOnPrimeRate" id="kr_EmployeeBenefitPlanNoteReceivableFromParticipantBasisSpreadOnPrimeRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AutomaticRetirementContributionRothAndMergedEsopSubaccountsMember" id="kr_AutomaticRetirementContributionRothAndMergedEsopSubaccountsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherThanAutomaticRetirementContributionRothAndMergedEsopSubaccountsMember" id="kr_OtherThanAutomaticRetirementContributionRothAndMergedEsopSubaccountsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
