401(k) Employee and Employer Contributions
One key issue is dividing employee versus employer contributions. Employee contributions are always 100% vested, but employer contributions may not be, depending on how long the participant was employed.
- Only the vested portion of employer contributions can be divided.
- If the participant leaves Mahr Inc. before full vesting, some employer contributions may be forfeited.
Your QDRO should clearly state whether the alternate payee receives only vested funds as of a set date (like the date of divorce) or whether future vesting increases their share.

