Employee vs. Employer Contributions
The participant’s contributions are always 100% theirs and fully vested. However, employer contributions made by Driggs title agency, Inc. might be subject to a vesting schedule. This means some employer contributions may not belong to the participant yet—or may be forfeited if the participant leaves the company before being fully vested.
A good QDRO clearly states whether it includes just the vested portion or attempts to capture a future portion if the participant becomes fully vested. At PeacockQDROs, we often recommend including only the vested amount unless you know the employment status is secure.

