Employee vs. Employer Contributions
Most participants contribute a portion of their paycheck to the plan, and the employer may offer matching contributions. In a QDRO, both sources must be addressed.
- Employee contributions are always fully vested and assignable.
- Employer contributions may be subject to vesting schedules. This means only a portion might be available for division, depending on years of service.
A common mistake is trying to divide funds that haven’t vested yet. We make sure to confirm the vesting status before finalizing the order. Learn more about common QDRO errorshere.

