Employee vs. Employer Contributions
The Himmel’s Architectural Door & Hardware, Inc. 401(k) Plan likely includes both employee deferrals and employer contributions. While the employee’s contributions are always 100% vested from day one, employer contributions may be subject to a vesting schedule.
If your divorce is early in the participant’s career with the plan sponsor, unvested employer contributions may be forfeited. Your QDRO should specify whether the alternate payee is entitled to a share only of the vested balance as of the division date—or both vested and unvested amounts with future vesting rights.

