Employee vs. Employer Contributions
Most 401(k) plans—including the Plexus Corp. 401(k) Retirement Plan—include both employee contributions (amounts the participant deferred from wages) and employer contributions (often matching funds). In divorce, these must be separated:
- Employee contributions are fully vested and always subject to division.
- Employer contributions may be partially vested depending on the employee’s years of service.
If the employee spouse is not fully vested at the time of divorce, part of the employer contributions may be forfeited. It’s important to determine the vesting status before finalizing your QDRO.

