Employee Contributions vs. Employer Contributions
Employee contributions are always 100% vested, meaning they’re yours no matter how long you worked for the employer. Employer contributions often follow a vesting schedule.
If the participant hasn’t worked long enough to be fully vested, any unvested portion of employer contributions may be forfeited. A well-drafted QDRO should account for vesting and clarify whether only the vested portion is being divided or whether there will be a reallocation if additional benefits vest later.

