Employee and Employer Contributions
With 401(k) plans, you usually have two kinds of money: what the employee contributes (from their paycheck) and what the employer matches. When a QDRO divides a 401(k), it’s common to include both, but some divorcing couples—either mistakenly or deliberately—only divide one part.
At PeacockQDROs, we make sure you’re clear about which portions are being divided. For example:
- Are you dividing 50% of the entire balance?
- Are you only splitting contributions made during the marriage?
- Should gains and losses through the payout date be included?
Making these decisions early avoids costly delays and disputes later.

