Employee Contributions vs. Employer Contributions
Most 401(k) plans have two types of contributions:
- Employee deferrals: Money the participant elected to contribute from their paycheck. These are always 100% vested.
- Employer contributions: Match or profit-sharing amounts contributed by Hancock Survey Associates, Inc.. 401(k) profit sharing plan & trust. These may be subject to vesting.
The QDRO needs to clarify if the alternate payee will receive a share of only vested amounts or also a portion of any future vesting (if agreed upon or ordered by the court). Most alternate payees will not receive non-vested amounts, and those must be flagged during drafting.

