1. Employee vs. Employer Contributions
The Holly Heights Nursing Home 401(k) Retirement Savings Plan may include both employee deferrals and employer matching contributions. In divorce, both components can potentially be divided by a QDRO—but only the vested portion of employer contributions is eligible.
For example, if your spouse has been working at Holly heights nursing home, Inc. for three years and the plan requires a five-year vesting schedule for employer contributions, your QDRO can only award you the vested share of those employer contributions—not the unvested part.

