1. Understanding the Types of Contributions
This 401(k) plan may contain different types of contributions:
- Employee Contributions: These are the amounts the employee spouse personally put into the plan.
- Employer Contributions: Often subject to vesting schedules. These contributions are only partially owned by the employee until fully vested.
In your QDRO, we’ll help clarify whether the alternate payee is receiving a portion of just the vested balance or if unvested contributions will be addressed separately.

