Employee vs. Employer Contributions
Profit sharing plans typically include both employee and employer contributions. While employee contributions are usually 100% vested immediately, employer contributions may follow a vesting schedule. This means any unvested portion could be forfeited if your spouse leaves the company before meeting the required service years.
When preparing your QDRO, it’s important to:
- Differentiate between vested and unvested employer contributions
- Account for future vesting if the employee remains with the company
- Specify how forfeited amounts should be handled

