Dividing Employee and Employer Contributions
One of the first steps in drafting your QDRO is deciding how to split both employee contributions and employer matching. Most 401(k) plans, including the Tax Deferred Annuity Plan of Crisis Connections, include both. You may choose to split only the vested amounts accrued during the marriage, or include all contributions through a certain date. Be aware that:
- Employee contributions are always 100% vested.
- Employer contributions may have a vesting schedule—meaning your spouse might not be entitled to all of them.
At PeacockQDROs, we clearly identify what is marital property and what is not, to avoid disputes and unnecessary delays.

