Employee vs. Employer Contributions
Most 401(k) plans, including the No Ordinary Moments, Inc.. 401(k) Profit Sharing Plan, contain a mix of employee deferrals and employer contributions. Here’s the key: while employees are always 100% vested in their own salary deferrals, employer contributions—especially profit-sharing matches—are often subject to vesting schedules. That means not all of the account value may be eligible for division.
For example, if your spouse is only 40% vested at the time of divorce, you can only be awarded a share of that 40%—not the full employer contribution. We’ll carefully check the vesting schedule when preparing your QDRO.

