1. Employee vs. Employer Contributions
Both employee and employer contributions may be part of the total account value. However, employer contributions are often subject to a vesting schedule. This means not all of the employer contributions may belong to the participant at the time of separation or divorce.
If the participant is not fully vested, the QDRO must take this into account. At PeacockQDROs, we carefully assess historical statements and the plan’s specific vesting rules to determine how much is truly divisible.

