Vesting Schedules
Most employer contributions are subject to a vesting schedule. This means an employee earns rights to those funds over time. For example, if the participant is 60% vested, only 60% of the employer-contributed portion is available for division in your QDRO unless otherwise negotiated.
The unvested portion typically reverts back to the company—Charleston ent associates, LLC profit sharing plan—as a forfeiture if the participant separates from service before meeting full vesting. Make sure any draft order reflects the division of vested funds only, unless and until full vesting is achieved.

