Employee vs. Employer Contributions
The participant likely contributed their own income into the New Kingdom Pediatrics 401(k) Plan, and in many cases, the employer—New kingdom pediatrics, LLC dba new kingdom health care—also contributes via matching or profit-sharing. But not all employer contributions are fully owned by the employee at all times. That’s why it’s important to check:
- Vesting Schedules: Employer funds may be subject to a vesting schedule, meaning the participant only owns a portion based on years of service.
- QDRO Language: We craft plans to include or exclude unvested amounts depending on your divorce settlement goal.

