@nhfox100
When I say “account “, I don’t mean two different plan trustees. I mean that all my funds are at TIAA, but that when looking specifically at the TIAA website, I have two separate accounts at TIAA, one of which is traditional pretax and one of which is the Roth option. You might have money at Fidelity from one employer and T. Rowe Price from another employer, but within the account managed by your current employer, there must be separate pretax and Roth option accounts. Or, as @dmertz indicates, your employer could be making the pre-tax deposit, and then doing an immediate in-plan Roth rollover, which is taxable to you at the end of the year.
