Dividing Contributions from Employee and Employer
401(k) plans like the Tate Automotive Group 401(k) Savings Plan often include both employee deferrals and employer matching contributions. In most cases:
- Employee contributions are 100% vested immediately.
- Employer contributions may be subject to a vesting schedule (e.g., 20% per year over five years).
The QDRO must clarify if only the vested portion is divided or if division includes future vesting. PeacockQDROs can guide you through this nuance to avoid disputes or overstatements.

