1. Employee and Employer Contribution Splits
In 401(k) profit-sharing plans like the Austin Emergency Center LLC 401(k) Profit Sharing & Trust, plan participants typically make employee contributions through payroll deferrals. The employer – in this case, Austin emergency center LLC 401(k) profit sharing & trust – may also contribute funds through matching or profit sharing.
In a QDRO, we often have to specify whether the division includes just employee contributions or both employee and employer contributions. If the participant has been with the company for only a short time, the account may include unvested employer amounts that the participant could forfeit if they leave employment. These unvested amounts cannot be included in the QDRO distribution.

