Contribution Types: Employee vs. Employer
401(k) plans often contain both employee deferrals and employer matching or profit-sharing contributions. A QDRO needs to specify whether the alternate payee is receiving a share of just the employee contributions, or employer contributions as well.
Why is this important? Because employer contributions may come with a vesting schedule. If the employee spouse hasn’t been with the The las olas company, Inc.. 401(k) plan long enough to fully vest, part of these contributions could be forfeitable down the road, and should not be included in the QDRO share unless specifically accounted for.

