Divorce and the S.w. Funk 401(k) Profit Sharing Plan: Understanding Your QDRO Options

Dividing retirement assets like a 401(k) plan during divorce proceedings can be complicated—especially when the plan has features like employer contributions, loan balances, and Roth subaccounts. If you’re divorcing someone with retirement benefits under the S.w. Funk 401(k) Profit Sharing Plan, understanding your rights and the Qualified Domestic Relations Order (QDRO) process is essential.

At PeacockQDROs, we’ve helped many divorcing spouses divide complex retirement plans, including 401(k)s. This article breaks down what you need to know about splitting the S.w. Funk 401(k) Profit Sharing Plan during divorce and how to ensure the QDRO is properly drafted and processed.

Before jumping into the division process, here’s what we know about the S.w. Funk 401(k) Profit Sharing Plan:

• Plan Name: S.w. Funk 401(k) Profit Sharing Plan
• Sponsor: S. w. funk industrial contractors, Inc.
• Plan Address: 20250702152805NAL0019056176001, 2024-01-01
• Employer Identification Number (EIN): Unknown
• Plan Number: Unknown
• Industry: General Business
• Organization Type: Corporation
• Status: Active
• Number of Participants: Unknown
• Plan Year: Unknown to Unknown
• Effective Date: Unknown
• Total Assets: Unknown

This is a corporate-sponsored 401(k) plan in the General Business sector. It likely includes standard 401(k) features, such as elective deferrals, employer matches or profit sharing, loan options, and both pre-tax and Roth account types—all of which affect how benefits are divided in a divorce under a QDRO.

A Qualified Domestic Relations Order (QDRO) is a court order that instructs a retirement plan to divide benefits between a participant and their ex-spouse, known as the “alternate payee.” Without a QDRO, many retirement plans—including the S.w. Funk 401(k) Profit Sharing Plan—will not make any distribution to a former spouse, even if the divorce judgment states they’re entitled to a portion.

A properly prepared QDRO ensures both parties get the retirement benefits they’re entitled to, in compliance with IRS rules and ERISA regulations. At PeacockQDROs, we prepare the order, handle any required pre-approval with the plan administrator, and make sure it’s submitted and carried through from start to finish.

Because the S.w. Funk 401(k) Profit Sharing Plan is a 401(k) plan, certain features need special attention during division:

For the S.w. Funk 401(k) Profit Sharing Plan, the following information is typically needed to complete a QDRO:

• Exact plan name: S.w. Funk 401(k) Profit Sharing Plan
• Plan sponsor: S. w. funk industrial contractors, Inc.
• Sponsor’s address
• Plan number and EIN (must be obtained if currently unknown)
• Participant information
• Divorce date and division terms

At PeacockQDROs, we’ll help collect missing details—and include plan-specific language that prevents delays and rejections.

401(k) QDROs tend to be misunderstood by general divorce attorneys. We often see orders that:

• Omit loan balances entirely
• Don’t distinguish between Roth and traditional assets
• Use vague language like “50% of the account” without a date
• Fail to clarify what happens with gains or losses

If you want to avoid these pitfalls, check out our guide oncommon QDRO mistakes.

Each QDRO timeline is a little different. The processing time often depends on:

• The plan’s pre-approval process
• Complexity of the divorce terms
• The court’s docket and signing schedule
• Whether the QDRO is properly drafted the first time

For more information, read our guide on thefive factors that determine how long it takes to get a QDRO done.

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 it’s a simple direct rollover or a split across multiple subaccounts, we make sure every technical detail is addressed professionally—because we understand what’s at stake for you.

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 S.w. Funk 401(k) Profit Sharing 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.