Employee and Employer Contributions
In a plan like the E.k.g. Security, Inc.. Retirement Plan, contributions may come from both the employee (participant) and the employer. Only vested employer contributions may be divided via QDRO, so timing is important. If a participant was not fully vested at the time of divorce, any non-vested employer contributions may be forfeited, and cannot be divided.
This is something we pay close attention to when drafting your QDRO. We may recommend language that automatically excludes non-vested funds or offers a measured approach depending on the applicable vesting schedule.

