Discretionary Match Contribution for 2025

Knight-Swift Transportation Holdings Inc. Retirement Plan is pleased to announce that a discretionary matching contribution to your 401(k) Profit Sharing Plan will be made on or about February 13, 2026.

Based on our consolidated 2025 operating results, the discretionary matching contribution will be a 100% match on your contributions to the Plan, up to 2% of your eligible earnings.

New Discretionary Match Structure for 2026 forward

Each of us is on our own path to retirement, and the KNX 401(k) is an important part of that journey. Our goal is to support you in making the best decisions for you and your family.

Beginning in 2026, it is our goal to shift our discretionary match formula to one that potentially provides a 50% match on your contributions, up to 6% of your eligible earnings. It is important to remember that, because our match is discretionary, there can be no guarantee that we will make any match, and that we will decide annually whether to and to what extent, match your contributions based on financial performance and other business conditions.

Moving to this structure is intended to:

• Provide a potential opportunity to receive a greater discretionary match depending on your level of contribution. If you are currently contributing 3%, your discretionary match would be 1.5% if we make a match using this formula. Increasing your contribution to 4% would increase your discretionary match to 2% if we match using this formula. And a contribution rate of 6% or greater would increase your match to 3% if we make a match using this formula;

• More closely align our discretionary match formula with industry practice; and

• Simplify our current discretionary match goal formula and make it easier to understand.

This updated structure replaces all previously distributed communications regarding our discretionary match.

Thank you for everyone’s continued commitment. We look forward to a great 2026.