Employee vs. Employer Contributions
Most 401(k) plans—particularly those offered by large corporations in the General Business sector—include both employee and employer contributions. Employee contributions are always yours. But employer contributions often follow a vesting schedule. Any non-vested employer contributions are not legally divisible in a QDRO. Make sure to get a statement that shows exactly what’s vested and unvested as of the valuation date (usually the date of divorce or segregation).

