Company: DTK
Filing Date: 2025-06-17
Form Type: 11-K
Source: 0000936340-25-000159
Chunk: 7

Company: DTE ENERGY CO
Filing Date: 2025-06-17
Form: 11-K
Chunk 7
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 Non-Elective Contribution each pay period equal to 4% of the participant’s eligible compensation. Employees do not need to make Employee Contributions to be eligible for the Non-Elective Contribution.

#### Participant Accounts
Each participant's account is increased with the participant's Employee Contributions, including eligible Direct Rollover Contributions, Company Contributions, and Non-Elective Contributions. Each participant's account is reduced by withdrawals, loans and fees. Participant accounts also increase or decrease due to investment gains or losses. Forfeited balances of terminated participants' non-vested accounts are used to reduce future Company Contributions. The benefit to which a participant is entitled is the benefit that can be provided from the participant's vested account.

#### Vesting
Employee Contributions and Direct Rollover Contributions are fully vested at all times. In general, Company Contributions and Non-Elective Contributions will vest according to the following schedule:

| Years of Service |     | Percent Vested |
| Less than 2      |     | 0%             |
| 2                |     | 20%            |
| 3                |     | 40%            |
| 4                |     | 60%            |
| 5                |     | 80%            |
| 6                |     | 100%           |

In addition, a participant will generally have a fully vested interest in Company Contributions and Non-Elective Contributions upon (a) attainment of age 65 while actively employed, (b) disability, as defined in the Plans, (c) death, or (d) in some cases, in connection with the sale of a business.

#### Investment Options
Participants may elect to have their Employee Contributions and Direct Rollover Contributions invested entirely in any one of the investment funds or in any combination of the investment funds held in the Master Trust. For the Local 223 Plan, Local 17 Plan, and Gas ISOP, Company Contributions and Non-Elective Contributions will be initially invested in the DTE Energy Stock Fund. For the SSOP, Company Contributions will be made either in cash or in shares of DTE Energy common stock at the option of DTE LLC, and Non-Elective Contributions will be invested in the DTE Energy Stock Fund or other funds designated by the Plan Administrator. If the Company Contribution is made in cash, the DTE Energy Stock Fund will immediately purchase shares of DTE Energy common stock at current market rates. Contributions made by the Company invested in the DTE Energy Stock Fund, or to