Employee Contributions vs. Employer Contributions
The G Family, Inc.. 401(k) Profit Sharing Plan and Trust likely includes both employee deferrals and employer matching or profit sharing. It’s important to determine each type of contribution:
- Employee contributions are typically 100% vested—meaning they fully belong to the participant.
- Employer contributions may be subject to a vesting schedule. Any unvested amount could be forfeited if the participant isn’t employed on the date benefits are distributed.
The QDRO can reference a cut-off date—often the date of divorce or separation—for determining the account’s value and how it will be split. Getting up-to-date account statements is essential for accuracy.

