Employee vs. Employer Contributions
Most 401(k) plans consist of two parts—employee contributions (from payroll deductions) and employer contributions (match or profit-sharing). In dividing the The Tikvah 401(k) Profit Sharing, we often see confusion about what’s subject to division.
If your QDRO does not clarify whether it applies to both employee and employer contributions, you risk leaving money on the table. Be especially mindful of:
- Including both pre-tax and Roth employee contributions
- Addressing any profit-sharing contributions if the employer makes discretionary deposits

