1. Vesting Schedules and Employer Contributions
One important factor in dividing a corporate 401(k) like the Indtai, Inc.. 401(k) Plan is the employer vesting schedule. While employee contributions are always 100% vested, employer contributions may only become vested after a certain number of years of service.
In a divorce, you can’t divide money the employee hasn’t vested in. Any unvested employer contributions are typically excluded from the division. Be sure to confirm the vesting schedule with the Plan Administrator or by reviewing the SPD.

