Employee vs. Employer Contributions
401(k) plans involve employee salary deferrals and often include employer matching or profit-sharing contributions. In dividing the Manhattan Strategy 401(k) Plan, it’s important to distinguish between these types of contributions because:
- Employer contributions may be subject to a vesting schedule
- Only vested amounts are divisible under a QDRO
- Vesting status may need to be verified before drafting
We review your spouse’s plan statement and vesting history to identify what can legally be included in the QDRO and what must be excluded.

