Dividing the Complete Automation 401(k) Plan in a Divorce
Dividing retirement assets in a divorce can be one of the most stressful and confusing parts of the process—especially when those assets are held in a 401(k) plan. If you or your spouse has a retirement benefit through the Complete Automation 401(k) Plan, you’ll likely need a qualified domestic relations order (QDRO) to divide it properly. Done right, a QDRO protects both parties and ensures the division meets the legal and plan-specific requirements. As QDRO attorneys, we’ve handled thousands of cases and have the experience to guide you through every step, including those unique to the Complete Automation 401(k) Plan.
Plan-Specific Details for the Complete Automation 401(k) Plan
Before preparing or submitting a QDRO, you must know which plan you’re working with. Here’s what we know about the Complete Automation 401(k) Plan:
- Plan Name: Complete Automation 401(k) Plan
- Sponsor: Complete automation, Inc..
- Plan Address: 20250821114259NAL0004234545001, 1776 WEST CLARKSTON ROAD
- Industry: General Business
- Organization Type: Corporation
- Plan Number: Unknown (required for QDRO submission—must be obtained from the plan administrator)
- EIN: Unknown (also required—can be requested by the attorney or participant)
- Plan Status: Active
This plan is active and sponsored by a corporate employer in the General Business sector, with a retirement plan type categorized as a 401(k). These details matter because different organization types and industries may handle QDROs slightly differently, especially regarding plan documentation and processing timelines.
Why a QDRO Is Required for the Complete Automation 401(k) Plan
A QDRO is a court order that instructs a retirement plan to divide benefits between a participant and an alternate payee (usually the former spouse). Without it, the plan administrator won’t legally allow the transfer of retirement benefits—even if your divorce judgment spells it out.
For the Complete Automation 401(k) Plan, the right QDRO ensures that:
- The non-employee spouse receives their fair share of the benefits
- Taxes are properly allocated
- The transfer complies with IRS and ERISA requirements
- The alternate payee avoids early withdrawal penalties (if the funds are rolled into another qualified plan)
What Makes 401(k) Division Through a QDRO Complex?
401(k) plans—like the Complete Automation 401(k) Plan—come with several complicating factors not present in other types of employer pensions. When dividing these accounts, you need to watch for:
Employer vs. Employee Contributions
401(k) plans usually include both employee deferrals and employer-matching contributions. It’s important to separate these in the QDRO because not all of the funds may be subject to division. For instance, employer contributions may be subject to a vesting schedule.
Vesting Schedules
If your spouse hasn’t worked for Complete automation, Inc.. long enough to become fully vested, part of the employer contributions may be forfeited upon division or separation from service.
Make sure your QDRO addresses only the vested balance or includes language that divides contributions “as of” a certain date—protecting the alternate payee from losing their share due to forfeitures.
Loan Balances
If the 401(k) participant has taken out a plan loan, that balance generally cannot be transferred to the alternate payee. But it does affect the total value of the account. The QDRO should state whether you’re dividing the account balance inclusive or exclusive of the loan. Getting this wrong can result in serious inequities.
Roth vs. Traditional 401(k) Funds
401(k) plans like this one may include both pre-tax (traditional) and after-tax (Roth) contributions. These need to be handled separately in a QDRO because they have different tax treatments. Ideally, the QDRO should clarify whether the alternate payee is receiving a proportionate share of each or only specific types of balances.
Key Steps to Divide the Complete Automation 401(k) Plan
1. Gather Required Plan Information
You’ll need the plan number and EIN before submitting a QDRO to the administrator. Because these are currently unknown for the Complete Automation 401(k) Plan, contact the HR department or plan administrator to request a Summary Plan Description or confirm the necessary identifiers.
2. Draft a Plan-Specific QDRO
Each plan has unique procedures and language preferences. A generic QDRO might not be accepted by the Complete Automation 401(k) Plan. At PeacockQDROs, we tailor each order specifically to the exact requirements of the plan, including language about loan offsets, account types, and vesting rules.
3. Request Preapproval (If Available)
Some plans—including many 401(k)s—allow you to submit a draft QDRO to the plan administrator before court filing. This optional step can help catch issues early. If the Complete Automation 401(k) Plan offers this, it’s worth doing to avoid delays later.
4. Get the QDRO Signed by the Court
Once the draft order is approved (or if preapproval is skipped), the next step is to submit it to the family law judge for signature. Each state has its own filing procedures and timelines, so this step varies depending on your jurisdiction.
5. Submit the Final QDRO to the Plan Administrator
After filing, send the certified QDRO to Complete automation, Inc.. or its designated plan administrator. They will review, process, and notify both parties once the division is complete. Processing times vary, but plans typically take 30–90 days.
How PeacockQDROs Can Help
At PeacockQDROs, we’ve completed thousands of 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—even when separating complex employer-sponsored plans like the Complete Automation 401(k) Plan.
Learn more about what we do:
Tips for a Smooth QDRO Process
- Start early: Don’t wait until after the divorce is finalized.
- Get accurate plan info: Confirm EIN, plan number, and administrator contact info.
- Define the date of division: Usually the date of separation or divorce judgment.
- Address loans up front: Be clear about offsets or exclusions.
- Watch for tax implications: Differentiate Roth and pre-tax money properly.
Conclusion
When retirement savings are on the line, don’t take chances with a generic QDRO or vague court language. The Complete Automation 401(k) Plan comes with its own nuances—from contributions and vesting to account types and loan balances. An experienced QDRO attorney can help you identify and avoid costly mistakes.
At PeacockQDROs, we know how to work with plans like the Complete Automation 401(k) Plan. We handle the entire process so you can focus on what comes next.
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 Complete Automation 401(k) Plan, contact PeacockQDROs. We specialize in QDROs and have successfully processed thousands of orders from start to finish.
Get the answers you need—explore our QDRO resources or reach out for personalized help if you’re in one of our service states.