1. Employee and Employer Contributions
One of the most common mistakes divorcing couples make is assuming the total balance is fair game. However, with 401(k)s, employer contributions might be subject to a vesting schedule. If the participant-employee is not yet fully vested in those funds, the non-employee spouse could receive less than anticipated.
QDROs for the Roadrunner Delivery LLC 401(k) Plan should be clear about:
- Whether the division applies to the full balance or only vested funds
- How to treat employer contributions that vest after the divorce date
- Whether gains or losses after the division date apply to the alternate payee’s share

