Dividing Contributions: Employee vs. Employer
401(k) plans often include both employee and employer contributions. These contributions must be separately categorized in the QDRO. While employee contributions usually vest immediately, employer contributions may be subject to a vesting schedule—meaning some of the funds may not be available at the time of divorce.
For the Something Inked, LLC 401(k) Plan, we recommend reviewing the participant’s quarterly or annual statement to identify:
- Pre-tax (traditional) employee contributions
- Employer matching and non-elective contributions
- Roth (after-tax) employee contributions
- Vested vs. unvested values

