Divorce and the Five Star Residential and Commercial Services 401(k) Plan: Understanding Your QDRO Options

When going through a divorce, dividing retirement accounts like the Five Star Residential and Commercial Services 401(k) Plan can be one of the most complicated financial steps. This plan, sponsored by Five star group holdings LLC, is classified as a 401(k)—meaning it includes features like employer matching, possible loan balances, and both Roth and traditional accounts. To split this plan legally and without tax penalties, you’ll need a Qualified Domestic Relations Order (QDRO).

At PeacockQDROs, we’ve helped many families successfully complete the QDRO process. Our goal is to ensure you don’t just get a document—we guide you from draft to final approval and implementation. Below, we’ll walk you through what divorcing couples should know when dividing the Five Star Residential and Commercial Services 401(k) Plan.

Before diving into the QDRO-related issues, here’s what we know about this specific plan:

• Plan Name: Five Star Residential and Commercial Services 401(k) Plan
• Sponsor: Five star group holdings LLC
• Address: 20250501115154NAL0003149377001, effective as of 2024-01-01
• Plan Type: 401(k)
• Organization Type: Business Entity
• Industry: General Business
• Status: Active
• Employer Identification Number (EIN): Unknown (required when submitting a QDRO)
• Plan Number: Unknown (required when submitting a QDRO)

Although we don’t have all the identifying plan numbers yet, those can be obtained during the QDRO discovery process or by requesting plan information directly from the employer or plan administrator. This information must be included when submitting a QDRO for processing.

A QDRO is a court-approved order that tells the plan administrator how to divide retirement benefits between divorcing spouses. Without a QDRO, the plan can’t legally pay a portion of the retirement account to the non-employee spouse (commonly referred to as the “alternate payee”). Worse, trying to divide it yourself could result in major tax penalties.

Since this plan is a 401(k), expect to work through a few common complications during the QDRO preparation process.

Each QDRO should be customized to fit the specific plan. For the Five Star Residential and Commercial Services 401(k) Plan, here are a few drafting strategies:

• Include specific percentages or dollar values rather than percentages alone. This avoids confusion if the market fluctuates.
• State whether gains and losses should apply from the division date to the distribution date.
• Specify distributions will be made “as soon as administratively feasible,” to avoid long delays.
• Clarify treatment of each account source type—especially if both Roth and pre-tax accounts exist.
• Address survivorship concerns. If the alternate payee dies before payment, who gets the funds?

At PeacockQDROs, we manage the entire QDRO process—not just the drafting. Here’s what is typically involved:

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. Whether you’re dealing with multiple retirement accounts or just one like the Five Star Residential and Commercial Services 401(k) Plan, we make sure the QDRO process doesn’t add more stress to your divorce.

Even a simple mistake can result in delays or financial loss. Make sure you avoid:

• Forgetting to include the plan number or EIN
• Dividing unvested funds without proper language
• Failing to address loan balances
• Not distinguishing between Roth and pre-tax accounts

Review our list ofcommon QDRO mistakes to protect your interests.

Each plan and court system works on its own timeline. Want to know what affects the speed of your QDRO? Check out our guide on thefive factors that determine how long it takes.

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 Five Star Residential and Commercial Services 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.