Employee vs. Employer Contributions
In most 401(k) plans, there are two types of contributions: those made by the employee (participant), and those that the employer contributes, like matching funds.
- Employee contributions are always considered fully vested and divisible.
- Employer contributions may be subject to a vesting schedule. If the employee hasn’t worked at Full sail delivery LLC 401(k) plan long enough, some of those contributions may not be divisible.
Your QDRO must address whether it divides only the vested portion of the account on the order date or whether it includes all contributions made during the marriage, even if not yet vested.

