Employee and Employer Contributions
The Tom Ahl Chrysler Buick, Inc.. 401(k) Profit Sharing Plan likely includes both employee deferrals and employer profit-sharing contributions. In a QDRO, you must specify whether the division includes:
- Just employee contributions (usually 100% vested)
- Employer contributions (can be subject to a vesting schedule)
Be aware: if the participant hasn’t worked at Tom ahl chrysler buick, Inc.. 401k profit sharing plan long enough, some employer contributions may not be fully vested. Unvested amounts usually revert to the plan—not the employee or alternate payee.

