Employee and Employer Contributions
A typical 401(k) has two funding sources: contributions made by the employee and those made by the employer. Employer contributions often have a vesting schedule—meaning even though the funds are in the account, the employee may not fully “own” them yet.
Your QDRO must specify whether it divides just the vested portion or the entire account. If the goal is to include only vested funds, the order needs to clearly outline that. We advise clients on the best option for their situation.

