Employee vs. Employer Contributions
The Tricorps Security 401(k) Plan may include both employee and employer contributions. A QDRO can award a percentage or fixed dollar amount of the total account balance, or just the participant’s own contributions. However, employer contributions may be subject to vesting schedules—which means only amounts that are vested at the time of divorce are eligible for division.
We often advise our clients to avoid dividing the full balance without checking how much of the employer match is actually vested. Otherwise, the alternate payee (usually the former spouse) may receive less than expected.

