1. Employee and Employer Contributions
The QDRO must specify whether the division applies to just the employee’s contributions, or if it also includes matching and other employer contributions. This is especially important in 401(k) plans, where employer matches can be subject to vesting schedules.
If dividing the account as of the date of divorce, include both sources. However, note that unvested employer contributions may be forfeited if the participant is not fully vested. The plan’s vesting schedule should be requested directly from Pleasant view operating group LLC or the plan administrator before finalizing the QDRO.

