Employee and Employer Contributions
401(k) plans typically have both employee contributions (money the worker put in) and employer contributions (like a company match). QDROs for the Keeling Company Grow Plan should specifically outline whether the alternate payee is entitled to a share of:
- Only the employee contributions
- The full account—employee and employer contributions
- Only vested portions of the employer contributions
If the divorce decree is silent, many administrators will not include unvested employer money. That could mean the alternate payee ends up with less than expected.

