Dividing the Health Services of the Pacific Retirement Savings Plan in Divorce
If you’re going through a divorce and either you or your spouse has a 401(k) with the Health Services of the Pacific Retirement Savings Plan, you’re probably wondering how to divide it. The short legal answer is through a Qualified Domestic Relations Order (QDRO). But getting it right can be tricky. That’s especially true when the plan includes traditional and Roth accounts, loan balances, contributions with vesting schedules, or other plan-specific issues.
At PeacockQDROs, we’ve handled thousands of QDROs from start to finish, including those for plans sponsored by businesses like Gurusamy, Inc.. Here’s what you need to know about dividing this particular plan—the Health Services of the Pacific Retirement Savings Plan—during divorce.
Plan-Specific Details for the Health Services of the Pacific Retirement Savings Plan
If this 401(k) plan is part of your divorce, here’s what you need to know about the plan’s specifics:
- Plan Name: Health Services of the Pacific Retirement Savings Plan
- Sponsor: Gurusamy, Inc.
- Address: 20250528125443NAL0004399459001, 2024-01-01
- Employer Identification Number (EIN): Unknown (must be obtained for QDRO preparation)
- Plan Number: Unknown (required for submission—should be confirmed with HR or the plan administrator)
- Industry: General Business
- Organization Type: Corporation
- Participants: Unknown
- Plan Year: Unknown to Unknown
- Effective Date: Unknown
- Status: Active
- Assets: Unknown
Because this is a 401(k) plan at a corporation in the general business sector, specific considerations like contribution types, vesting schedules, and account structure matter when writing a QDRO.
Understanding QDROs and Why They’re Required
A Qualified Domestic Relations Order (QDRO) is a court order that directs a retirement plan administrator to divide plan assets in accordance with a divorce. Without a QDRO, the plan administrator can’t legally pay benefits to an ex-spouse, even if the divorce settlement says they should. The QDRO ensures tax protection for both parties and keeps the division compliant with federal law—specifically ERISA and the Internal Revenue Code.
Important 401(k) Considerations for the Health Services of the Pacific Retirement Savings Plan
Employee and Employer Contributions
The Health Services of the Pacific Retirement Savings Plan likely includes both employee (pre-tax or Roth) and employer contributions. When preparing a QDRO, you’ll need to clearly state whether the division includes:
- Only the participant’s contributions
- Both employee and employer contributions (which is more common)
If the divorce settlement calls for a 50/50 division, most QDROs require identifying the total account balance (including earnings) as of a specific date. Clarity on which contributions are included is absolutely essential.
Employer Vesting and Forfeitures
One tricky area with 401(k) plans like this one is employer contributions subject to vesting. If not fully vested at the time of divorce, a portion of the employer contributions may not be available to divide. Those unvested amounts will be forfeited and cannot go to the alternate payee (the non-employee spouse).
What we often do at PeacockQDROs is prepare the QDRO to include the vested portion of employer contributions only, with verbiage addressing future vesting outcomes if appropriate. This avoids unnecessary disputes later.
Loans on the Account
Many participants borrow from their 401(k). If there’s an outstanding loan on the Health Services of the Pacific Retirement Savings Plan, the QDRO must state how to treat that loan:
- Is it to be subtracted from the total before division?
- Is the plan participant solely responsible for repayment?
- Should the alternate payee receive a share of the balance including or excluding the loan?
Ignoring loan balances results in disputes—and sometimes QDRO rejection by the plan administrator. We always get this detail in writing.
Roth vs. Traditional 401(k) Accounts
401(k)s increasingly include Roth subaccounts, which are taxed differently than traditional accounts. A proper QDRO must:
- Specify how Roth funds are to be divided
- Ensure that Roth money is transferred only into a Roth account in the alternate payee’s name
A misstep here can create a tax headache. We ensure the plan administrator gets clear instructions about account differentiation and proper tax designations post-division.
Required Information for Drafting Your QDRO
Before we can draft your QDRO, we’ll need several key pieces of information:
- Full legal name of the plan: Health Services of the Pacific Retirement Savings Plan
- Plan sponsor: Gurusamy, Inc.
- Plan number and EIN (usually found in the Summary Plan Description or by contacting HR)
- Account statement as close to date of divorce filing or agreed-upon valuation date
- Details on loans, Roth balances, and vesting schedules (if applicable)
Once we have those details, we draft the QDRO, work with the plan administrator for preapproval if required, finalize it for court filing, and even handle the submission and follow-up. That’s what sets PeacockQDROs apart from firms that only give you a document and leave the rest up to you.
How Long Does It Take to Get a QDRO for This Plan?
This depends on several factors. We’ve identified five main things that affect the QDRO timeline, including court backlog and whether the plan does preapprovals. But typically, if the Health Services of the Pacific Retirement Savings Plan has a responsive administrator and all documents are provided, we can complete the entire process in 30–90 days.
Common Mistakes to Avoid When Dividing This Plan
We’ve seen hundreds of QDROs for 401(k) plans denied for simple, avoidable issues. Key pitfalls include:
- Failing to address vesting of employer contributions
- Not allocating loan balances properly
- Ignoring Roth vs. traditional fund distinctions
- Missing or inaccurate plan name or number
- Leaving blank the specific valuation date
If you want to see more of the most common missteps, check out our full article on common QDRO mistakes. We help clients avoid these problems every day.
Why Work with PeacockQDROs?
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. If the Health Services of the Pacific Retirement Savings Plan is part of your divorce, don’t leave the division of your 401(k) to chance.
Start here with our QDRO resources or contact us directly for personalized guidance. We’ll make sure your QDRO is done accurately, efficiently, and without unnecessary stress.
State-Specific Help for Your QDRO
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 Health Services of the Pacific Retirement Savings 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.