1. Employee vs. Employer Contributions
401(k) plans typically include contributions from both the employee and the employer. The portion the employee contributed is almost always considered marital property (if earned during the marriage), but employer contributions can be trickier due to vesting.
In the Nw Bend Boats LLC 401(k) Profit Sharing Plan & Trust, some employer contributions may not yet be fully vested. Unvested contributions are usually not included in what a former spouse can receive. It’s important to review the vesting schedule—usually found in the plan’s Summary Plan Description—before drafting your QDRO.

