1. Employee and Employer Contributions
Most 401(k) plans, including the Marshall Last Mile Logistics 401(k) Plan, include both employee deferrals and employer matches or profit-sharing contributions. When writing your QDRO, it’s important to specify whether the alternate payee (ex-spouse) is entitled to:
- Only the employee’s contributions
- Both employee and employer contributions
- A percentage or dollar amount from the total account balance
It’s crucial to understand how much of the employer contribution is vested. Only the vested portion can usually be divided.

