Employee vs. Employer Contributions
In many cases, a participant contributes a percentage of their wages to the plan, and the employer matches a portion. That’s likely true for the Van Vreede Tv and Appliance, Inc.. 401(k) Savings Plan.
When dividing the account:
- Employee contributions are always 100% vested and can be divided fully.
- Employer contributions may be subject to a vesting schedule. That means only a percentage of the matched funds might belong to the participant at the time of divorce.
If the QDRO improperly awards unvested employer contributions to the alternate payee, the plan administrator may reject the order. This is why checking the vesting schedule with the administrator is essential.

