Employee and Employer Contributions
401(k) plans like the Woodland International Transpo 401(k) Profit Sharing Plan & Trust typically include both:
- Employee Contributions: Fully vested and usually easier to divide.
- Employer Matching or Profit-Sharing Contributions: May be subject to a vesting schedule. You’ll need to check the participant’s vested balance to determine how much is available for division.
If a portion of the employer contributions has not vested at the time of divorce, those funds may not be transferable—unless the plan allows for post-divorce vesting. The QDRO must address how to handle potential forfeitures.

