Employee and Employer Contributions
Most 401(k) plans include both employee contributions (money the worker puts in) and employer contributions (matched or discretionary contributions from the company). With the Anthem Tax Services LLC 401(k) Plan, you’ll want the QDRO to clearly specify whether you’re dividing:
- Only employee contributions
- Both employee and employer contributions
- Contributions made during the marriage only
It’s also essential to determine whether to split gains and losses on the awarded portion through the date of distribution. Most courts issue orders from the date of separation or divorce, but if the QDRO doesn’t clearly direct the plan, you could miss out on gains—or pay for losses—that occurred afterward.

