Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
The NJ Unemployment
Division has to determine how much of this 401k was employer-funded. 401k is also considered a "pension" by NJ - and your benefits will be adjusted according to the rules, which you can find at: http://lwd.dol.state.nj.us/labor
It is not as simple as you putting in $9000 and the employer putting in $3000, and you just withdraw the $9000, the unemployment division would reduce your employment benefits by 1/3 of the amount of the withdrawal from the 401K (approximately) as the employer contribution was 1/3 of the total account.
That said, you should still NEVER withdraw from a 401k while collecting unemployment benefits and NEVER withdraw from a 401k period if you can find the money another place, because the tax penalty of between 10% early withdrawal penalty and 20% mandatory withholding results in an IMMEDIATE 30% loss.
You could try to roll the 401K into an IRA and then make withdrawal from the IRA without the unemployment penalty, but you still take the 30% or so loss on the account for early withdrawals.
Please do not forget to leave positive feedback by clicking on the 5 stars at the top of your page , as the experts are not employees of the site and get no credit for spending time with customers unless they leave positive feedback. Thank you.