Employee vs. Employer Contributions
The Geodesicx, Inc.. 401(k) Plan may contain both employee contributions (from the participant’s paycheck) and employer contributions (matching or profit-sharing). A well-drafted QDRO should state clearly whether the alternate payee is entitled to:
- Just the employee’s contributions and earnings
- Both employee and employer contributions
- Only the vested portion of employer contributions
This distinction matters. While employee contributions are always “vested” (belong to the employee), employer contributions may be subject to a vesting schedule.

