If my company matches my Roth 403(b) contributions, do I have to track the employer (pre-tax) contributions separately from my Roth 403(b) contributions, or should my employer be contributing the matching contributions to my 403(b) plan?  I’m concerned both might be going into the Roth 403(b), which would result in a pro-rata distribution when I start taking my distributions.

The plan must track the employer and employee contributions as well as the “regular” 403(b) portion and the Roth 403(b) portion. The match must be allocated to the regular portion of your 403(b) account. If you believe that there is a mistake on how the plan is allocating the contributions, you should ask the plan administrator.

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