1. Contributions by the Employee and Employer
401(k) plans usually include both employee deferrals and employer matches or profit-sharing. In the case of the Hr Staffing Team, LLC 401(k) Plan, it’s critical to understand:
- Which funds were contributed during the marriage
- How employer contributions are treated if not fully vested
- If post-divorce contributions are continuing
The QDRO can be worded to include only the “marital portion”—that is, what was earned or contributed during the years of marriage. If you don’t properly divide the contributions in the QDRO, the alternate payee may be entitled to too little—or too much.

