Employee and Employer Contributions
It’s crucial to distinguish between employee contributions (which are always 100% vested) and employer contributions (which may be subject to a vesting schedule). In the Salvador Logistics 401(k) Plan, details about vesting are currently unknown—but typically, employer matching contributions may be forfeited if the employee hasn’t met certain service requirements.
Make sure your QDRO only divides the vested portion of the plan—unless the parties agree otherwise and accept that some amounts could be unavailable.

