1. Employee vs. Employer Contributions
When drafting a QDRO, we identify which funds were contributed by the employee and which came from Jet aircraft maintenance Inc. Some employer contributions may be subject to vesting, which affects whether they’re even available to divide.
For example:
- If the plan participant worked for Jet aircraft maintenance Inc. for only a year, some employer contributions may not be vested yet
- Unvested portions may eventually be forfeited if the employee leaves too soon, so the QDRO should only divide vested amounts or include a provision to adjust for vesting at payout

