Employee vs. Employer Contributions
A 401(k) plan typically consists of employee contributions (pre-tax or Roth) and employer contributions (match or discretionary). One key factor in dividing the The Synergy Global Solutions, Inc.. 401(k) Plan is determining which of these contributions are subject to division.
- Employee contributions are usually 100% vested and available for division.
- Employer contributions may be subject to a vesting schedule—some of which may not yet be earned by the employee spouse.

