Employee vs. Employer Contributions
401(k) plans typically include contributions made by the employee (deferrals from income) and matching or discretionary contributions from the employer. With the Aspen Medical Products, Inc.. 401(k) Plan, separating these can become important when:
- Employer contributions are subject to vesting schedules
- Some contributions may still be unvested and not divisible
- A portion of the account may already be fully vested and available for division
Your QDRO should clearly identify whether the division applies to only vested amounts or both vested and unvested balances. Most commonly, QDROs award a percentage of the total account as of a specific date—usually the date of separation or divorce.

