Employee Contributions vs. Employer Contributions
Contributions to a 401(k)-style plan like the The Healthcare Connection, Inc.. 403(b) Plan come from two sources: the employee and the employer. Employee contributions are always 100% vested, which means the participant owns them outright. Employer contributions may be subject to a vesting schedule. A well-drafted QDRO will distinguish between the two and specify whether the alternate payee (you or your client) is awarded a percentage of the vested balance only or also a share of contributions that become vested later.

