Employee and Employer Contributions
The Standard Forwarding LLC Union Employees 401(k) Savings Plan likely includes both employee deferrals and employer matching contributions. In a QDRO, you must decide if you’re dividing just the employee’s contributions or both employee and employer contributions accrued during the marriage.
It’s wise to clarify the exact date range for division—typically from the date of marriage to the date of separation or divorce. Your QDRO should state this explicitly to avoid future confusion.

