Employee and Employer Contributions
Most 401(k) plans allow employees to contribute a portion of their salary, and employers may match or profit-share based on various formulas. The Hansome Energy Systems Inc. 401(k) Profit Sharing Plan & Trust likely includes both components. When drafting the QDRO:
- Specify whether the division covers just the employee’s contributions, or both employee and employer funds
- State how gains and losses are to be applied from the valuation date to the distribution date

