Employee and Employer Contributions
The Allied Affiliates 401(k) Plan likely includes both employee deferrals and employer contributions made by Allied plastic supply, LLC. These two types of contributions can be treated differently under a QDRO, especially where vesting is concerned (more on that below).
A good QDRO should clearly state whether the alternate payee is receiving a portion of:
- Total account balance (including employee and employer funds)
- Only vested employer contributions
- Only employee contributions
Specific language is critical to avoid disputes and delays.

