Employee Contributions and Employer Match
Like many 401(k) plans, the Quattro Food Groups, LLC 401(k) Profit Sharing Plan likely involves two categories of funds: employee pre-tax/Roth contributions and employer contributions. When dividing the account:
- Employee contributions are usually 100% vested and available for division in a QDRO.
- Employer matching or profit-sharing contributions may be subject to a vesting schedule, especially in business entities with fluctuating labor forces.
Be sure your divorce settlement clearly outlines how both types of funds are to be treated and whether unvested funds should be excluded from the alternate payee’s share.

