Employee and Employer Contributions
The Arrow Container LLC 401(k) Plan likely includes both employee deferrals and employer-matching contributions. A QDRO can specify how each of these types of contributions should be divided. It’s critical to determine:
- Are employer contributions subject to a vesting schedule?
- Should the division be based on the account balance on a specific date (usually the date of separation or divorce) or sometime later?
- Will gains and losses be apportioned as of the division date or up through distribution?
In 401(k) QDROs, failure to address these points can lead to disputes, delays, or even rejection by the plan administrator. Learn more on our page aboutcommon QDRO mistakes.

