Employee vs. Employer Contributions
Dividing a 401(k) like the Crrc Sifang America Inc.. 401(k) Plan involves addressing both employee contributions (pre-tax and Roth, if applicable) and employer contributions. Not all employer contributions are automatically accessible in a divorce; they may be subject to a vesting schedule.
For example, if the employer’s contributions had a five-year vesting schedule and the participant only worked three years before the divorce, 40% might be unvested. The non-vested portion generally will not be available to the alternate payee.

