Employee Contributions vs. Employer Contributions
Both the employee’s personal deferrals and the employer’s matching or profit-sharing contributions may be included in a QDRO. However, the plan’s vesting schedule affects whether employer contributions are divisible. If the employee isn’t fully vested at the time of divorce, the alternate payee may receive less than expected—or nothing from the employer’s matched funds. Always request the vesting report from the plan administrator when preparing the QDRO.

