Introduction
Dividing retirement accounts like the Architectural Coatings, Inc.. 401(k) Plan during divorce isn’t just a financial task—it’s a legal process. And when it comes to splitting a 401(k) plan, you’ll need something called a Qualified Domestic Relations Order, or QDRO. A QDRO ensures that a former spouse (called the “alternate payee”) can legally receive a portion of the plan participant’s retirement benefits without triggering early withdrawal penalties or tax issues.
But not all 401(k) plans are created equal. The rules, structure, and processes of each plan must be followed carefully to avoid mistakes or delays. That’s where understanding the specific details of the Architectural Coatings, Inc.. 401(k) Plan becomes critical.
Plan-Specific Details for the Architectural Coatings, Inc.. 401(k) Plan
Before drafting a QDRO, you need a clear understanding of the plan you’re dealing with. Here’s what we know about this plan:
- Plan Name: Architectural Coatings, Inc.. 401(k) Plan
- Sponsor: Architectural coatings, Inc.. 401(k) plan
- Address: 20250721150618NAL0004198690001, 2024-01-01
- EIN: Unknown (required for processing, must be obtained)
- Plan Number: Unknown (will be required during QDRO submission)
- Industry: General Business
- Organization Type: Corporation
- Participants: Unknown
- Plan Year: Unknown to Unknown
- Effective Date: Unknown
- Status: Active
- Assets: Unknown
This plan, offered by a general business corporation, is still active. While some details such as EIN and plan number need to be obtained through document requests or plan administrator contact, the key is understanding how QDROs function in the 401(k) space and what to anticipate during division.
QDRO Basics for 401(k) Plans
401(k) plans are considered “defined contribution” plans. That means the benefit is based on the value of the participant’s account, not a fixed monthly amount. This makes division somewhat simpler than pensions, but there are hidden potholes—especially in plans like the Architectural Coatings, Inc.. 401(k) Plan that may have loans, mixed account types, and employer contributions to address.
What a QDRO Actually Does
A QDRO is a court order that tells the plan administrator how much of the participant’s 401(k) account to give to the alternate payee. The QDRO must be approved by the court and must also meet the plan administrator’s specific formatting and content requirements. Even if your divorce judgment outlines the split, a QDRO is still required to actually transfer the retirement funds.
Key Considerations for the Architectural Coatings, Inc.. 401(k) Plan
1. Employee vs. Employer Contributions
Many 401(k) plans, including the Architectural Coatings, Inc.. 401(k) Plan, include both employee deferrals and employer match contributions. These amounts often have different implications in a QDRO:
- Employee Contributions: These are fully owned by the participant and can be divided without concern for vesting.
- Employer Contributions: These may be subject to a vesting schedule. If the participant is not fully vested, the non-vested portion will not be available for division.
2. Vesting Schedules and Forfeitures
If the participant hasn’t worked long enough with Architectural coatings, Inc.. 401(k) plan to earn full vesting, some of the employer-match funds may not be includable in the QDRO. Your order should specify how unvested amounts are handled—often by excluding them completely or awarding the alternate payee only the vested portion as of a set date (such as the date of separation or divorce).
3. Loan Balances
If the participant took out a loan from the 401(k), the account value may appear artificially high or low. You’ll need to determine how that loan is handled in the QDRO:
- The loan balance may reduce the value of the divisible asset.
- In some cases, the alternate payee may be excluded from repaying a portion of the participant’s loan obligation.
A thorough QDRO will clarify how loans affect the division—otherwise, disputes may arise post-transfer.
4. Roth vs. Traditional Accounts
The Architectural Coatings, Inc.. 401(k) Plan may allow for both traditional (pre-tax) and Roth (post-tax) contributions. These accounts are treated differently by the IRS:
- Traditional 401(k): Funds are taxed upon withdrawal.
- Roth 401(k): Funds are typically tax-free upon qualified withdrawal.
The QDRO should state exactly what the alternate payee is receiving—Roth, traditional, or both—and specify how each type is divided. Otherwise, mistakes can lead to unexpected tax implications.
QDRO Process for the Architectural Coatings, Inc.. 401(k) Plan
1. Obtain Plan Documents
You’ll need the Summary Plan Description (SPD) and contact information for the plan administrator (often through HR). These will help identify the EIN, plan number, and any specific language the plan requires in a QDRO.
2. Drafting the QDRO
A proper draft should reference:
- The plan’s correct name: Architectural Coatings, Inc.. 401(k) Plan
- The sponsor: Architectural coatings, Inc.. 401(k) plan
- All account components: traditional, Roth, employer match, loan offsets
- Division method (percentage or dollar amount)
- The date applicable to division (date of divorce, separation, etc.)
3. Preapproval (If Offered)
Though not all plans require preapproval, many recommend submitting a draft QDRO for review before court filing. This prevents court-approved orders from being rejected by the plan administrator.
4. Court Entry and Final Submission
Once approved and finalized, the order should be signed by the judge and submitted to the plan administrator. Processing times vary but typically take 30 to 90 days if there are no complications.
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. If you need guidance on the QDRO process for the Architectural Coatings, Inc.. 401(k) Plan, we’re here to help every step of the way.
- Explore the details of our full-service QDRO offerings: QDRO Services
- Learn about typical QDRO pitfalls here: Common QDRO Mistakes
- Understand what affects QDRO timing: QDRO Time Factors
- Have questions? Contact us directly: Get in touch today
Final Thoughts
Dividing the Architectural Coatings, Inc.. 401(k) Plan in divorce requires more than simple math. You need the right legal documents, plan-specific insights, and attention to the unique parts of 401(k) assets—from vesting to loan balances to Roth status. A sloppy or incomplete QDRO can lead to delays, disputes, or denied benefits down the road. That’s why getting it done right the first time matters.
Whether your divorce is already finalized or you’re preparing the paperwork, working with professionals who understand the actual process of dividing employer-sponsored plans like this one is critical to securing your financial future.
State-Specific Call to Action
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 Architectural Coatings, Inc.. 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.