Employee and Employer Contributions
401(k) plans such as the Apollo Export Warehouse Inc. 401(k) Profit Sharing Plan & Trust typically include both employee contributions (from salary deferral) and employer matching or profit-sharing contributions. It’s essential that the QDRO clearly states whether your division applies to:
- Only the participant’s (employee’s) contributions
- Employer contributions as well
- Appreciation or depreciation from gains and losses
Additionally, contribution periods matter. Make sure your QDRO covers the correct time range, usually from the date of marriage to the date of separation or divorce.

