Employee and Employer Contributions
In a typical 401(k), contributions come from both the employee and the employer. In plans like the Olin Partnership, Ltd.. 401(k) Plan, the employee’s contributions are always 100% vested. However, employer contributions may follow a vesting schedule. That means some of the employer-funded portion might not be divisible depending on how long the employee has worked at the company.
For example, if the participant only worked at Unknown sponsor for three years when the plan requires five years for full vesting, the alternate payee may not be entitled to all the employer contributions. Your QDRO must make this distinction clear.

