Employee and Employer Contributions
You and your spouse may have very different rights under the plan depending on the source of contributions:
- Employee Contributions: These are always 100% vested and can be divided through a QDRO.
- Employer Contributions: These may be subject to a vesting schedule. If some of these contributions are not yet vested at the time of divorce, the alternate payee (usually the former spouse) may not receive that portion.
We carefully evaluate any forfeiture provisions in your plan to avoid awarding benefits that won’t actually be available. Misunderstanding the employer match portion is one of the most common QDRO mistakes—something we actively prevent. Learn more about common pitfallshere.

