Employee and Employer Contributions
401(k) plans generally include both employee contributions (money the worker puts in) and employer contributions (matched funds). When preparing your QDRO for the Major World Acquisition, LLC 401(k) Plan, be sure to address both types:
- Employee contributions are always 100% vested—these can be divided with no restrictions.
- Employer contributions may be subject to a vesting schedule—meaning the employee earns rights to those funds over time.
Make sure to check the vesting schedule outlined in the plan’s documents or SPD. Any unvested portion of employer contributions may revert to the plan sponsor and cannot be divided via QDRO unless they become vested before the divorce finalizes.

