Employee and Employer Contributions
The Tkc Adventures, LLC 401(k) Plan likely includes both employee deferrals and employer matching or profit-sharing contributions. When dividing the account, your QDRO should clearly state whether both types of contributions are included in the marital portion or only employee deferrals.
- Employee contributions are always fully vested.
- Employer contributions may be subject to a vesting schedule.
A common issue arises when the QDRO fails to consider which part of the balance is unvested and therefore unavailable to the alternate payee. We’ll help you sort that out.

