Employee vs. Employer Contributions
Participant accounts within the Next Level Logistics 401(k) Plan may consist of:
- Employee contributions (always 100% vested)
- Employer matching contributions (subject to a vesting schedule)
During divorce, it’s common for disputes to arise over unvested employer portions. The QDRO should clearly state whether the alternate payee (e.g., the former spouse receiving the benefit) has a right to only vested balances or a portion of future vesting. Most plans only allow division of vested assets as of the date of divorce or QDRO.

