Employee and Employer Contributions
Both employee deferrals and employer matches may be part of the divisible account. However, employer contributions are often subject to a vesting schedule. When dividing the Worth Harley Davidson 401(k) Profit Sharing Plan, you can’t assume all funds will be split 50/50. Unvested employer matches may not be included in the Alternate Payee’s award. Instead, the QDRO must define how to deal with unvested funds—whether the award includes only vested amounts at the time of QDRO, or allows for post-divorce vesting.

