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As far as tracking which amounts are pretax (either your pretax contributions, or any company match) are concerrned, it can be (and sometimes is) done as you suggest (based on percentages) - but most recordkeepers actually keep the money is separate "buckets" on their recordkeeping platform - so they know exactly how much goes in as what kind of contributions, can track the actual contribution amounts, and the difference between the ending balance and the contribution amounts (for each type of contributions) is the earnings attributeable to that source. This is true even though most recordkeepers don't allow you to invest eh separate buckets separately (although the trend has been in that direction - especially since the tax treatment on distribution may be different considering you have a Roth option).

When you do take that distribution, you will have to provide directions with respect to the Roth and the non-Roth amounts separately. Both are rolloverable into their respective IRA counterparts (Roth IRA for the Roth bucket and a tradition IRA for the other buckets).

Good luck!
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