Employee Contributions vs. Employer Contributions
Employee contributions are usually 100% vested right away. But employer contributions often have a vesting schedule. If the employee hasn’t worked at Davis Door Service, Inc. long enough, part of the employer match might be considered unvested and therefore not subject to division. Any unvested funds usually revert back to the plan if the employee leaves the company.
Your QDRO should specify whether you’re dividing just the vested balance or also listing unvested amounts in case they vest in the future. This language must be very precise to avoid errors or rejections by the plan administrator.

