Employee and Employer Contributions
The Goudy Honda 401(k) Plan likely consists of both employee contributions (from the participant’s paycheck) and employer contributions (usually as a match). Your QDRO needs to spell out whether the alternate payee (usually the ex-spouse) will be awarded a share of both types of contributions.
In many cases, awards are based on a marital coverture formula. That means the percentage is calculated based on the portion earned during the marriage. If the divorce occurs before full vesting, some employer contributions may be forfeited—which leads us to the next issue.

