Dividing Employee and Employer Contributions
The Geller & Company LLC 401(k) Plan likely includes both employee and employer contributions. Contributions made by the participant through payroll deductions are always fully vested. However, employer contributions may be subject to a vesting schedule.
Your QDRO should clearly define whether only vested funds are divided or if there’s a different arrangement. It’s also important to identify the percentage or dollar amount being awarded to the alternate payee as of a specific date—typically the date of separation or divorce judgment.

