Employee vs. Employer Contributions
In most 401(k) profit-sharing plans, employees make contributions from paychecks (traditional or Roth), while employers may match up to a certain percentage. You can usually split both types of contributions in a QDRO—but watch out for this:
- Unvested employer contributions may not be available for the alternate payee (typically the ex-spouse).
- Vesting schedules vary, and if the divorce occurs before the employee is 100% vested, the portion available for division may be reduced.
The plan administrator for the Geologics Corporation 401(k) Profit Sharing Plan should provide a vesting schedule and current account snapshot, showing vested vs. unvested balances. These numbers must be confirmed before filing your QDRO.

