1. Employee vs. Employer Contributions
401(k)s like the All in One Services LLC 401(k) Plan typically include both employee (your own) and employer (company-matched) contributions. Your QDRO should clearly state whether the division includes:
- Only employee contributions
- Employee and vested employer contributions
- All contributions, vested or not
Most plans will not allow division of unvested funds. If the employee’s employer-matched funds are subject to a vesting schedule, only the vested portion will be eligible for distribution.

