Employee and Employer Contributions
The American Medical Association Retirement & Savings Plan is a 401(k), which typically includes both employee deferrals and employer matching or discretionary contributions. A key part of any QDRO is determining what’s being divided:
- Just the employee’s contributions and earnings?
- Are employer contributions included?
- Only marital contributions accrued during the marriage?
It’s common for the QDRO to specify a “marital coverture” formula which divides only the portion earned during the marriage, not the entire balance.

