Divorce and the Better Built Truss 401(k) Plan: Understanding Your QDRO Options

If you or your spouse has been participating in the Better Built Truss 401(k) Plan through Better built truss, LLC, and you’re currently going through a divorce, you’re likely wondering how retirement assets are split. The answer? You’ll need a Qualified Domestic Relations Order—commonly called a QDRO.

401(k) plans like the Better Built Truss 401(k) Plan can be especially tricky in divorce because they often involve multiple account types (Roth and traditional), employer matches with vesting schedules, and even outstanding loan balances. In this article, we’ll break down what you specifically need to know when dividing the Better Built Truss 401(k) Plan in a divorce.

When preparing a QDRO, it’s important to identify the plan with accurate details. Here’s what we know so far about the Better Built Truss 401(k) Plan:

• Plan Name: Better Built Truss 401(k) Plan
• Sponsor: Better built truss, LLC
• Address: 20250116180350NAL0039013984001, 2024-01-01
• Employer Identification Number (EIN): Unknown
• Plan Number: Unknown
• Industry: General Business
• Organization Type: Business Entity
• Participants: Unknown
• Plan Year: Unknown to Unknown
• Status: Active
• Total Assets: Unknown

While some details like the EIN or plan number are currently unknown, these are required to process a QDRO. You’ll typically find this information in the plan’s Summary Plan Description (SPD), a participant’s annual statement, or by contacting the plan administrator. At PeacockQDROs, we help collect and verify this information so you don’t have to go it alone.

Federal law, specifically ERISA and the Internal Revenue Code, requires a QDRO to divide most employer-sponsored retirement plans, including 401(k)s. Without a QDRO, the plan administrator is not legally allowed to distribute any portion of the account to an ex-spouse, no matter what your divorce judgment states.

The Better Built Truss 401(k) Plan will only pay benefits to an alternate payee (the non-employee spouse) if a court has issued a QDRO that the plan administrator accepts. That’s where we come in.

A QDRO must comply with federal law and the specific rules and requirements of the Better Built Truss 401(k) Plan. Here’s how the process generally works when working with our team:

• Step 1: Gathering Information – We collect the plan name, sponsor details, statements, and participant information. If the plan number or EIN is missing, we help locate it through administrative channels.
• Step 2: Drafting the QDRO – We prepare the document to reflect exactly how benefits should be divided (percentage vs. dollar amount, valuation date, treatment of loans and taxes).
• Step 3: Preapproval (if applicable) – Some plans offer preapproval of QDROs before entering it with the court. We file for preapproval if available to avoid costly revisions later.
• Step 4: Court Filing – We help you file the QDRO with the proper court once it’s ready to be finalized.
• Step 5: Plan Submission – Once signed and filed, we send the QDRO to the Better Built Truss 401(k) Plan administrator and follow up until implementation.

You can read more about how long the QDRO process takes by checking out our guide here:5 Factors That Determine QDRO Timeframes.

At PeacockQDROs, we’ve seen many retirement orders—so we know what can go wrong. Avoid these costly mistakes specific to 401(k) plans:

• Assuming unvested funds are automatically included
• Failing to mention outstanding loans in the QDRO
• Not separating Roth and traditional account balances
• Using the wrong valuation date
• Drafting a QDRO without knowing the plan’s specific requirements

We address all of these issues upfront. Check our guide onCommon QDRO Mistakes to help protect your share.

At PeacockQDROs, we’ve completed many QDROs from start to finish. That means we don’t just draft the order and leave you to figure out the rest. We handle the drafting, preapproval (if applicable), court filing, submission, and follow-up with the plan administrator. That’s what sets us apart from firms that only prepare the document and hand it off to you.

We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. If you’re dealing with the Better Built Truss 401(k) Plan, we can help ensure your division is correct and promptly processed.

Explore our full QDRO services here:QDRO Services.

Dividing retirement assets like the Better Built Truss 401(k) Plan through divorce doesn’t have to be overwhelming. With the right guidance and a properly drafted QDRO, you can protect your share and avoid unnecessary delays or tax consequences.

If your divorce was in California, New York, New Jersey, Connecticut, Kansas, Missouri, Iowa, or North Dakota, and you have questions about qualified domestic relations orders or dividing retirement assets like the Better Built Truss 401(k) Plan, contact PeacockQDROs. We focus on QDROs and have successfully processed many orders from start to finish.

Get the answers you need—explore ourQDRO resources orreach out for personalized help if you’re in one of our service states.