Divorce and the Seres Therapeutics, Inc.. 401(k) Plan: Understanding Your QDRO Options

Dividing retirement assets during a divorce can be one of the most complex, emotionally charged parts of the process. When one or both spouses have a 401(k), it usually requires a special court order known as a Qualified Domestic Relations Order, or QDRO. If you or your spouse has an account under the Seres Therapeutics, Inc.. 401(k) Plan, this article will explain what you need to know to divide it correctly—without common and costly mistakes.

A QDRO is a legal order that allows retirement plan administrators to transfer a portion of a participant’s retirement benefits to an alternate payee, usually the participant’s former spouse, without violating IRS rules or triggering early withdrawal penalties and taxes. Without it, a retirement plan like the Seres Therapeutics, Inc.. 401(k) Plan will not—and legally cannot—divide assets pursuant to divorce.

Before drafting a QDRO, it’s critical to understand the specifics of the retirement plan being divided. Here’s what we know about the Seres Therapeutics, Inc.. 401(k) Plan:

• Plan Name: Seres Therapeutics, Inc.. 401(k) Plan
• Sponsor Name: Seres therapeutics, Inc.. 401(k) plan
• Address: 101 CAMBRIDGE PARK DRIVE
• Plan Year: Unknown to Unknown
• Effective Date: Unknown
• Status: Active
• EIN and Plan Number: Unknown (but required for QDRO submission)
• Industry: General Business
• Organization Type: Corporation

Since the plan is active and tied to a corporation in the general business sector, it follows the typical structure of corporate 401(k) plans with both employee and employer contributions, potential vesting schedules, loan provisions, and Roth/traditional account options.

Start With the Right Information

One of the biggest mistakes we see is QDROs submitted with incorrect or missing information. To divide the Seres Therapeutics, Inc.. 401(k) Plan, you’ll need the correct plan name, sponsor details, and ideally the plan number and EIN. If these are not publicly available, they must be obtained during discovery or directly from the plan administrator. Without them, the QDRO may be rejected.

Determine What Portion Is Being Divided

There are several ways benefits may be divided in a QDRO:

• Dollar amount – A specific figure is awarded to the alternate payee
• Percentage – Often used to divide contributions made during the marriage
• Formula-Based – A shared approach where a marital coverture formula is applied

For a plan like the Seres Therapeutics, Inc.. 401(k) Plan, percentage or coverture-based divisions are common, especially when the participant is still actively employed and the account fluctuates due to ongoing contributions and market growth.

Although some retirement plans allow a draft QDRO to be submitted for pre-approval before being signed by the court, not all companies do. If the administrator of the Seres Therapeutics, Inc.. 401(k) Plan offers this option,we recommend taking advantage of it to reduce delays and corrections that may otherwise occur after the court signs the order.

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 understands not only the drafting process but what your QDRO must contain to pass approval for corporate plans like the Seres Therapeutics, Inc.. 401(k) Plan.

Want to avoid common errors? See our list ofcommon QDRO mistakes.

Wondering how long the process takes? Review this guide on theQDRO timeline factors.

Dividing the Seres Therapeutics, Inc.. 401(k) Plan legally and fairly requires a QDRO that accounts for its corporate plan structure, employer-employee contributions, loan issues, and Roth/traditional account holdings. Doing it wrong can cost both spouses time and money.

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 Seres Therapeutics, Inc.. 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.