1. Employee and Employer Contributions
The Advantec Manufacturing Usa, Inc.. 401(k) Profit Sharing Plan & Trust likely includes both employee deferrals and employer matching or profit-sharing contributions. During QDRO drafting, it’s important to specify what portion of the account is being divided:
- Only contributions made during the marriage?
- Include gains and losses through the date of distribution?
- Treat employee and employer contributions equally?
Some QDROs mistakenly divide only part of the account, leaving out employer contributions. That can be a costly mistake—especially when the employer portion is significant.

