Employee and Employer Contributions
In any 401(k), contributions can come from both the employee and the employer. Usually, employee contributions are fully vested right away, while employer contributions might be subject to a vesting schedule.
Your QDRO should clearly state whether both employee and employer contributions are to be divided and whether the division applies only to vested amounts. If your divorce agreement assigns a share of employer contributions, but the participant wasn’t fully vested at the time of divorce, the alternate payee (usually the ex-spouse) may receive less than expected.

