Employee and Employer Contributions
401(k) plans are typically made up of both employee contributions (which are always 100% vested) and employer contributions (which may not be). When determining what portion of the The Glen System Retirement Plan should go to the alternate payee, it’s crucial to distinguish between these two sources of funds.
Employer contributions often follow a vesting schedule. If the participant is not fully vested at the time of divorce or QDRO submission, a part of the employer contribution may be unavailable—or later forfeited.

