Employee and Employer Contributions
The 401(k) Plan for Arow Global Corp.. may include both employee deferrals and employer matches. Keep in mind that:
- Employee contributions are fully owned by the participant and can be divided without vesting considerations.
- Employer contributions may be subject to a vesting schedule. The QDRO should clearly state whether the alternate payee is entitled only to vested amounts as of a certain date or to future vesting.
The timing of divorce and plan division is crucial. If you’re the alternate payee, be careful not to assume you’ll get a share of unvested contributions unless the QDRO clearly allows for it under plan rules.

