Employee and Employer Contributions
Most 401(k) plans include both employee contributions (from the participant’s paycheck) and employer contributions (matching amounts). Only vested balances can be divided by a QDRO. If the employer contributions aren’t fully vested, the alternate payee can’t receive that portion.
Make sure your QDRO distinguishes between vested and unvested balances at the time of the divorce. PeacockQDROs can help you request a participant statement to verify these amounts before you file anything with the court.

