Division of Employee and Employer Contributions
The QDRO must clarify whether you’re dividing just the employee’s contributions or including employer matching contributions as well. Many employer contributions come with vesting schedules, which means the employee must work a certain number of years before fully owning those funds. In the case of The Global Orphan Project 401(k) Plan, you’ll need to review the Summary Plan Description (SPD) to determine the vesting status of any employer-provided funds.

