1. Employee and Employer Contributions
Most 401(k) plans include contributions made by both the employee and the employer. The Moses Solutions LLC 401(k) Plan is no exception. In your QDRO, it’s crucial to specify whether the alternate payee receives a percentage of:
- The total account on a specific date
- Just the employee contributions
- Both employee and employer contributions—including matching funds
If the employer matching funds were not fully vested before the date of separation or division, they may not be divisible. That’s why reviewing the plan’s vesting schedule is essential—which leads us to the next point.

