Employee vs. Employer Contributions
The Ti Logistics LLC 401(k) Profit Sharing Plan & Trust includes both employee (salary deferral) and employer contributions. Most QDROs divide the entire account balance as of a specific date, but you can also target only marital contributions or account for different types separately.
- Employee Contributions: Typically 100% vested immediately. These are funds the employee contributed from their own paycheck.
- Employer Contributions: May be subject to a vesting schedule. Any portion that remains unvested at the time of divorce cannot be awarded to an ex-spouse through a QDRO.
Always confirm vested status before setting division percentages. If employer matches or profit-sharing funds aren’t fully vested, the alternate payee may walk away with less than expected if the order isn’t carefully worded.

