Employee and Employer Contributions
401(k) accounts typically include:
- Employee deferrals: The portion the employee directly contributes from their paycheck
- Employer match or profit-sharing: Contributions from Maverick delivers LLC 401(k) plan
The QDRO must clearly state whether the order divides just employee contributions or also employer contributions. The timing of contributions—before or during the marriage—also affects whether they’re marital property. We often use a coverture formula to specify marital vs. non-marital portions.

