Employee and Employer Contributions
401(k) plans usually include employee contributions (from paychecks) and employer contributions (often a match or discretionary contributions). It’s important to know:
- Employee contributions are fully vested immediately.
- Employer contributions may be subject to a vesting schedule, so any unvested portion could be forfeited when the participant leaves the company.
If your QDRO includes employer contributions, make sure to verify what portion is vested as of the division date. The plan sponsor (A. p. deauville LLC 401(k) plan) must provide this information.

