Employee and Employer Contributions
The Concord Feed & Fuel, Inc.. 401(k) Plan likely includes both employee salary deferrals and employer matching contributions. While employee deferrals are always fully vested, any employer contributions may be subject to a vesting schedule.
If the plan participant has not been with Concord feed & fuel, Inc.. 401(k) plan long enough to fully vest in the employer match, only the vested portion will be available for division under a QDRO. The unvested portion remains with the employee and may become forfeited if certain conditions are not met.

