Employee Contributions vs. Employer Contributions
A typical 401(k) plan includes both employee deferrals (funds from wages) and employer contributions (matching or profit-sharing amounts). Under a QDRO, both types of contributions can be divided, but employer contributions are often subject to a vesting schedule. This means the participant must work a certain number of years to become entitled to those employer-funded amounts.
For this plan, which is identified with a General Business sponsor, you’ll want to confirm the length and structure of any vesting schedules. If the employee (participant) has not met the vesting period, part of the account may not be divisible and may be forfeited if the participant leaves the company.

