Employee vs. Employer Contributions
401(k) plans like the Studio Three Enterprises, LLC 401(k) Ps Plan typically involve:
- Employee salary deferrals (pre-tax and/or Roth)
- Employer matching or profit-sharing contributions
In divorce, both types of contributions can be subject to division. However, employer contributions often come with a vesting schedule. If the employee spouse isn’t fully vested, the non-employee spouse might only get a portion—or none—of the employer match. This is a critical point for the QDRO to address accurately.

