Splitting Retirement Benefits: Your Guide to QDROs for the Icon Legacy Custom Modular Homes, LLC 401(k) Plan

When a marriage ends, dividing assets can be one of the most difficult—and legally complex—parts of the process. Retirement plans, especially 401(k)s, are often among the largest and most valuable assets in a divorce. If you or your spouse are participants in the Icon Legacy Custom Modular Homes, LLC 401(k) Plan, you’ll need a court-approved legal order called a Qualified Domestic Relations Order (QDRO) to divide the retirement assets.

At PeacockQDROs, we’ve handled many QDROs from beginning to end. We take care of everything—from drafting to preapproval, filing with the court, and submitting to the plan administrator—so you’re not stuck trying to interpret complex plan procedures on your own.

A Qualified Domestic Relations Order (QDRO) is a legal document that outlines how a retirement plan—like the Icon Legacy Custom Modular Homes, LLC 401(k) Plan—should be divided between divorcing spouses. It must be signed by the judge, meet IRS and ERISA standards, and be accepted by the plan administrator. Without a valid QDRO, you cannot legally divide the funds without triggering taxes or penalties, even if it’s outlined in your divorce judgment.

• Plan Name: Icon Legacy Custom Modular Homes, LLC 401(k) Plan
• Sponsor: Icon legacy custom modular homes, LLC 401(k) plan
• Address: 20250530102611NAL0022173554001, 2024-01-01
• Industry: General Business
• Organization Type: Business Entity
• EIN: Unknown (must be requested or obtained from plan sponsor)
• Plan Number: Unknown (plan administrator can provide this upon request)
• Participants: Unknown
• Plan Year: Unknown to Unknown
• Effective Date: Unknown
• Status: Active

To prepare a valid QDRO, you or your attorney will need to request the plan’s summary plan description (SPD), obtain the plan number and EIN if not listed, and follow the specific qualification procedures dictated by this employer-sponsored 401(k) plan.

Many people assume dividing a 401(k) is simple—it’s not. There are several common mistakes that can mess up your division or cause significant delays. We’ve outlined the most frequent QDRO issues on ourCommon QDRO Mistakes page, but here are a few relevant to 401(k) plans like this one:

• Not specifying the valuation date or method (e.g., flat dollar, percentage, account type)
• Attempting to divide unvested employer contributions
• Failing to address loans or their impact on the account value
• Not differentiating Roth vs. traditional subaccounts

Getting these details right is critical. At PeacockQDROs, we work directly with your divorce attorney and court to draft a plan-compliant, enforceable QDRO that protects your rights.

The overall timeline to complete a QDRO can vary based on court backlogs and plan administrator review speeds. We wrote about the key factors on our page5 Factors That Determine How Long It Takes to Get a QDRO Done.

But here’s what we can tell you: we don’t stop at just preparing the document. We follow it through until your share is legally recognized and processed by the plan.

Drafting the QDRO may be just one part of your checklist—but getting it done right is what protects your financial future. At PeacockQDROs, we’ve completed many orders in the jurisdictions where we practice. We don’t just write the document and hand it over. We make sure it gets pre-approved (if the plan allows), signed by the judge, filed with the court, and sent to the plan administrator—with follow-up until it’s processed.

We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. Learn more about our serviceshere, or get in touchto start your QDRO.

• Get a copy of the plan’s SPD and QDRO procedures directly from Icon legacy custom modular homes, LLC 401(k) plan
• Identify whether the account has Roth and/or traditional subaccounts
• Determine if any loans are outstanding and how that affects account value
• Use clear language in the QDRO regarding valuation date, percentage, and vesting

Get it done early—don’t wait until retirement or distribution. A delay can mean lost money and unnecessary conflict down the road.

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 Icon Legacy Custom Modular Homes, LLC 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.