Employee vs. Employer Contributions
Employee contributions are typically 100% vested immediately. However, employer contributions (such as matching or profit sharing) often come with a vesting schedule—sometimes five or six years.
When drafting your QDRO for the Gynesonics, Inc.. 401(k) and Profit Sharing Plan and Trust, always request a copy of the latest vesting schedule. That way, we can ensure that the alternate payee receives only the vested portion of employer contributions. Any non-vested funds are forfeited and not subject to division.

