Divorce and the Easypost 401(k) Plan: Understanding Your QDRO Options

What is a QDRO and Why It Matters in Divorce?

When a couple files for divorce, one complex but critical issue is dividing retirement accounts, especially 401(k) plans. To divide a retirement account like the Easypost 401(k) Plan legally and without triggering taxes or penalties, a Qualified Domestic Relations Order (QDRO) is required. If you’re divorcing and your spouse has an account with the Easypost 401(k) Plan, or if you are the account holder yourself, knowing how QDROs work is not just helpful—it’s essential.

Understanding the Easypost 401(k) Plan

Plan-Specific Details for the Easypost 401(k) Plan

Plan Name: Easypost 401(k) Plan
Sponsor: Simpler postage, Inc.. dba easypost
Sponsor Address: 2600 N ASHTON BLVD STE 300A
Plan Year: 2024-01-01 through 2024-12-31
Initial Effective Date: 2018-12-26
Industry: General Business
Organization Type: Corporation
Plan Status: Active
Plan Number: Unknown (you’ll need this for submission)
EIN: Unknown (also required when filing a QDRO)

This plan, like many corporate 401(k) plans, may include traditional (pre-tax) and Roth (after-tax) contributions, employer matching contributions subject to vesting, and possibly participant loans. Each of these features impacts how the plan should be divided through a QDRO.

How a QDRO Works for the Easypost 401(k) Plan

The Basics

A QDRO is a court order that instructs the plan administrator how to divide a participant’s retirement account between the participant (employee) and their former spouse (called the “alternate payee”). Without a QDRO, plan administrators cannot legally disburse funds to a non-employee spouse after divorce.

For the Easypost 401(k) Plan, the QDRO will determine:

How much of the account each party receives
Whether employer contributions are included
If account loans reduce the marital share
How Roth and traditional funds are addressed

Important Considerations When Dividing This 401(k)

Employee vs. Employer Contributions

In the Easypost 401(k) Plan, amounts contributed by the employee are typically 100% vested from day one. However, employer contributions are usually distributed according to a vesting schedule. That means the employee must work at the company for a certain period to keep those matched dollars. When dividing the account, the QDRO should clearly state whether just vested amounts are to be divided or if unvested amounts are also being considered (and potentially forfeited).

Understanding the Vesting Schedule

Vesting schedules commonly stretch over 3 to 6 years in many 401(k) plans. If the employee hasn’t been at Simpler postage, Inc.. dba easypost long enough, some matched employer money may not yet be fully owned by them. In those cases, a QDRO might assign a portion of only the vested amount as of the date of divorce. Including language about future vesting or forfeiture protections is essential, especially for alternate payees.

Loans on the Account

If there’s a loan against the Easypost 401(k) Plan, the QDRO must clarify whether the loan balance reduces the divisible amount or stays the responsibility of the participant. For instance, if there’s a $20,000 account with a $5,000 loan, does the alternate payee receive 50% of $20,000 or just the $15,000 net? Plans handle this differently, and language in the QDRO should be specific to avoid conflict or confusion down the road.

Roth vs. Traditional Contributions

The Easypost 401(k) Plan may allow for both traditional (pre-tax) and Roth (after-tax) contributions. These need to be split carefully and proportionally. A QDRO should specify whether the alternate payee will receive a pro-rata share of both account types or just one. Mixing the two can create unexpected tax consequences. Always clarify which account types are included and how they’re to be handled on transfer.

Drafting a QDRO for the Easypost 401(k) Plan

The Easypost 401(k) Plan is distinct to Simpler postage, Inc.. dba easypost, which means its plan administrator will have its own procedures for reviewing and processing a QDRO. These plans typically require the following:

Specific identification of the plan (with correct Plan Name)
Full legal names and last known addresses of both parties
Social Security numbers (submitted securely, never publicly)
Plan Number and EIN (required as part of the documentation—this data must be obtained for final submission)
A clear statement of how the alternate payee’s share is determined (percentage, flat dollar, or formula)

Many plan administrators require a draft review process for pre-approval. This avoids rejection after court filing. At PeacockQDROs, we handle this step for you.

Common Pitfalls in Dividing a 401(k) Plan Like Easypost

We’ve seen divorcing couples make some avoidable mistakes when trying to divide 401(k)s. Don’t fall into these traps:

Failing to divide Roth and traditional balances properly
Ignoring outstanding loan balances
Relying on end-of-divorce account balances instead of using a specific date
Assuming employer contributions are always fully vested

For more on these common mistakes, see our full list here:Common QDRO Mistakes.

How Long It Takes to Complete a QDRO

The timeline can vary but is usually between 60 to 180 days from start to finish. Factors include the plan administrator’s turnaround time, whether pre-approval is needed, and the local court’s filing process. For more on how timeframes work, see:5 Factors That Determine How Long It Takes to Get a QDRO Done.

Why Choose PeacockQDROs?

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. Our team is experienced, responsive, and ready to help you avoid delays and costly errors. Learn more atour QDRO resource center.

Next Steps

If you’re divorcing and the Easypost 401(k) Plan is a marital asset, don’t wait until the last minute to get your QDRO in place. Timing, language, and proper filing all matter. Getting it wrong could cost you thousands—or delay your ability to access funds when needed.

Start by gathering key documents: divorce decree, account statements, loan details, and employer information. Then reach out to a firm like ours that understands the details required for the Easypost 401(k) Plan specifically.

State-Specific Call to Action

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 Easypost 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.

Your Attorney

William “Willie” Peacock, Esq.

QDRO & Retirement Division Attorney

Willie has handled hundreds of QDROs, been named as a stipulated or court-appointed expert in hundreds of orders, testified as an expert witness on QDROs and state government pension survivor benefits, and taught CLEs on QDROs, legal ethics, and military pensions. He is a three-time ABA award-winning legal author and secured a victory before the North Dakota Supreme Court. Full bio →

Licensed: CA · NY · NJ · CT · MO · KS · IA · ND

(888) 303-5399 Free consultation →

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