Employee and Employer Contributions
In most 401(k) plans, there are two types of contributions: those made by the employee (fully owned from the start) and those made by the employer (often subject to a vesting schedule). When dividing a plan like the Mako Cpc Us, Lp Retirement Trust, the QDRO must specify whether it applies only to the vested portion or also includes a share of future vesting (if state law allows).
An experienced QDRO attorney can help determine what portion of the employer match is marital property and how it should be treated in the order.

