Employee vs. Employer Contributions
The employee portion of the Paul Martin’s American Grill 401(k) Plan is almost always fully vested. Employer contributions, however, might be subject to a vesting schedule. This means if your spouse has only been at F-pmab, LLC for a short time, they may not be entitled to the full employer match.
A QDRO can only divide what’s actually vested. If the employer portion has a 5-year vesting schedule, and your spouse has been employed for 3 years, only a percentage of the match is available for division. This is a critical point when negotiating the QDRO terms.

