Employee Contributions vs. Employer Contributions
Employee contributions to the The Gsi Group, LLC Corporate Savings Plan are always fully vested and available for division, assuming they were made during the marriage. Employer contributions, however, may be subject to a vesting schedule. In many 401(k) plans, the employer’s match becomes fully vested after a number of years or graded percentages per year.
When preparing a QDRO, it’s important to:
- Request a vesting statement as of the divorce date or QDRO submission date
- Clarify in the order whether unvested employer contributions should be divided if they become vested later

