Michigan - Ladyfriends' portion of her ex's 401k has been segregated via QDRO into her name in a money-market account (for safety/stability) at xyz fund management co. Question: Ladyfriend never had a 401k of her own - Is the money-market account automatically a "401k" because it was awarded from a 401k - or is it just a plane-jane investment without bankruptcy protection, etc.? In other words does she have to take action to make it an IRA, 401K, etc. or is it already a 401k? Thanks!