Employee Contributions vs. Employer Contributions
Employee contributions are always 100% vested—they belong to the employee and can be divided in a divorce via a QDRO. But employer contributions may be subject to a vesting schedule, meaning only the vested portion is eligible for division.
For example, if your spouse has only worked for Fab4 LLC for a short time, the employer contributions may not be fully vested, and the unvested portion may be forfeited if they leave the company. Be careful not to assume the entire balance is divisible—check the vesting schedule first.

