1. Employee vs. Employer Contributions
The Skykick, LLC 401(k) Plan may include both employee deferrals and employer matching or profit-sharing contributions. In a QDRO, the alternate payee often receives a proportional share of all vested balances as of a relevant valuation date. This makes it important to:
- Ask if employer contributions are subject to a vesting schedule
- Determine the vesting status as of the date of separation or divorce
- Specify whether the assigned share includes only the vested portion
Unvested amounts usually get forfeited when the participant leaves employment, so unless your QDRO specifically addresses this, you might not receive them.

