The split happens in a buss bar just inside the meter. This is in my side of house service closet where all my utilities enter. You can kind of see the buss bar on the upper right side. One branch feeds the breaker sub panel to the right. That panel has a lot of the 240 utilities on it - both EV chargers, both AC compressors, the dryer outlet plus the solar backfeed. The other buss bar branch runs to big wires that run to my other sub panel in the garage. Both subs have a 200A breaker