Employee vs. Employer Contributions
One of the first decisions you’ll face is how to divide contributions. The Center for the Study of Services 403(b) Dc Plan may include:
- Employee salary deferrals (traditional pre-tax and/or Roth)
- Employer matching or discretionary contributions
Be aware: employer contributions are often subject to a vesting schedule. Only the vested portion can be assigned to the alternate payee. If your spouse hasn’t reached the required years of service, you may not be entitled to the full employer match.

