Employee vs. Employer Contributions
The first step in dividing the account is distinguishing between the employee’s contributions (your spouse’s paycheck deductions) and any amounts contributed by the sponsor, Rwi holdings, Inc.. employee retirement savings plan. Often, employer contributions are subject to a vesting schedule—meaning your spouse may not yet be entitled to all of them.
In a QDRO, we can either:
- Assign a flat dollar amount or percentage of the total balance
- Differentiate between vested and non-vested portions
- Exclude unvested employer contributions altogether
Every divorce agreement should clarify whether the alternate payee receives a share of just the vested portion or the entire account, including conditional benefits.

