Employee and Employer Contributions
401(k) accounts often include both employee and employer contributions. In many cases, only a portion of the employer contributions is fully vested when the divorce occurs. It’s important to clearly define which contributions are included in the division and how unvested portions should be treated if they become vested later.
For the Trive Capital Management, LLC 401(k) Plan, make sure your QDRO states whether the alternate payee will be entitled to employer contributions that vest after the divorce date. If the plan participant is close to full vesting, this could significantly change the value of what’s being divided.

