Employee Contributions vs. Employer Contributions
The Av Squad, Lp 401(k) Plan may include:
- Employee Contributions: These are salary deferrals made by the employee into the plan. Typically, these funds are 100% vested and easy to divide by QDRO.
- Employer Contributions: Employer matches may have a vesting schedule. That means your spouse may not have full rights to all those contributions—only the vested portion is eligible for division.
Always request and review the most recent participant statement, vesting schedule, and Summary Plan Description. An experienced QDRO attorney will help you parse these documents properly.

