Employee vs. Employer Contributions
The Tencate Usa Savings Plan likely includes both employee deferrals and employer matching contributions. A QDRO can award a spouse (“alternate payee”) a percentage or dollar amount of the participant’s total account or break it down to include only contributions made during the marriage. Always clarify:
- Whether the employer match is considered part of the marital property
- If only vested amounts should be divided (unvested portions may be forfeited post-divorce)
- The exact cut-off date for contributions to be divided

