1. Employee and Employer Contributions
401(k) accounts often include employee contributions (money deducted from paychecks) and employer contributions (such as matching funds). In a divorce, you’ll need to clarify which contributions are subject to division. Most plans—including the Extreme Delivery Services LLC 401(k) Plan—will only divide the portion earned during the marriage. That requires a clear date up to which the account should be split (usually the date of separation or divorce judgment).
Important tip: Make sure you understand whether employer contributions are fully vested. Unvested portions may disappear if the employee leaves the company or a forfeiture rule applies before divorce is finalized. We’ll cover that next.

