1. Employee and Employer Contributions
When dividing this 401(k) plan, you’ll need to understand the types of contributions involved:
- Employee Contributions: These are the amounts the employee spouse chose to defer from their paycheck. These amounts are 100% vested and can be divided in the QDRO.
- Employer Contributions: Often subject to a vesting schedule. Only the vested portion should be allocated to the alternate payee in the QDRO.
Our team at PeacockQDROs makes sure to account for vesting accurately, so you don’t lose out on benefits—or unintentionally award unvested funds.

