Dividing the High Speed Delivery 401(k) Plan in Divorce
When you’re going through a divorce, dividing retirement assets like the High Speed Delivery 401(k) Plan can feel overwhelming. This isn’t just about splitting a bank account—retirement plans have rules, administrators, and IRS regulations that all come into play. If your ex has a 401(k) through High speed delivery Inc., the right way to divide it is with a Qualified Domestic Relations Order, or QDRO.
At PeacockQDROs, we’ve handled thousands of QDROs from start to finish. We don’t just hand you a form—we handle the drafting, preapproval (if required by the plan), filing with the court, and submission to the plan administrator. Our clients come to us because they want the job done right the first time.
This guide breaks down what you need to know to divide the High Speed Delivery 401(k) Plan during a divorce, specifically through a QDRO.
Plan-Specific Details for the High Speed Delivery 401(k) Plan
Let’s start with the facts we know about this specific plan:
- Plan Name: High Speed Delivery 401(k) Plan
- Sponsor: High speed delivery Inc.
- Address: 20250718093653NAL0001504545001, effective as of 2024-01-01
- Industry: General Business
- Organization Type: Corporation
- Status: Active
- EIN: Unknown (you’ll need this when submitting your QDRO)
- Plan Number: Unknown (also required for most QDRO submissions)
While certain data—like participant count and plan assets—is unknown, the information above confirms that this is an active 401(k) plan sponsored by a corporate employer. That means it likely includes employee deferrals, employer matching, and possibly profit-sharing contributions—all of which need to be addressed in a QDRO.
Understanding QDROs for the High Speed Delivery 401(k) Plan
What Is a QDRO and Why Do You Need One?
A QDRO is a legal order entered by a state court and accepted by a retirement plan administrator that allows retirement benefits to be paid to a non-employee spouse (called the “alternate payee”). Without a QDRO, the plan won’t—and legally can’t—pay benefits to anyone other than the employee.
For divorcing couples, it’s the only way to legally and directly divide a 401(k) like the High Speed Delivery 401(k) Plan.
What a QDRO for This Plan Should Include
For the High Speed Delivery 401(k) Plan, your QDRO must:
- Clearly identify the plan name: High Speed Delivery 401(k) Plan
- List the plan sponsor: High speed delivery Inc.
- Include the plan number and EIN (ask the plan administrator for these if unknown)
- Specify how the account is being divided—percentage, dollar amount, or another method
- Address whether investment gains or losses apply from the division date until the date of distribution
- Include the terms for handling outstanding loan balances and unvested funds
Key Issues When Dividing the High Speed Delivery 401(k) Plan
Employee and Employer Contributions
The High Speed Delivery 401(k) Plan likely includes both employee salary deferrals and employer matching contributions. In most divorces, both types of funds are divided in the QDRO. However, employer contributions often come with vesting schedules that must be carefully reviewed.
If the employee spouse (the participant) isn’t fully vested, the alternate payee may receive only the vested portion. Anything unvested generally reverts to the participant later, so timing matters. A properly drafted QDRO should account for this.
401(k) Loan Balances
Did the participant take out a 401(k) loan during the marriage? That could impact how much is in the account to divide. Under most plans, loan balances reduce the account value. You should decide whether to share that debt or keep it with the participant. The QDRO must spell this out—some plans reduce the alternate payee’s share based on loan balance unless otherwise stated.
This issue is commonly mishandled. We’ve written more about that here: Common QDRO Mistakes.
Roth vs. Traditional 401(k) Accounts
Roth 401(k) contributions are made after tax, while traditional 401(k) contributions are pre-tax. The High Speed Delivery 401(k) Plan may have both account types. It’s critical to distinguish between them in a QDRO because the tax treatment and distribution requirements differ.
For example, if your share includes both Roth and traditional funds, the QDRO should list them separately. This prevents misallocation and ensures the alternate payee knows what taxes and distribution rules apply.
Investment Gains and Losses
Divorcing spouses often agree on a division date—such as the date of separation or the date the divorce is finalized. What happens to the investment gains or losses after that date? That needs to be stated in the QDRO. Otherwise, the plan administrator may apply its default—which may or may not work in your favor.
Timing and Procedure
Don’t Wait Until Everything Else Is Final
One of the biggest mistakes divorcing couples make is waiting until after the divorce is finalized to deal with the retirement division. By then, it’s harder to collect the correct data, opponents may be less cooperative, and errors are more likely. In some cases, QDROs filed late are rejected by the plan—or require time-consuming amendments to the divorce judgment.
This guide explains more: How Long Does It Take to Get a QDRO Done?
Preapproval Process (and Why It Matters)
Some plans allow a preapproval of the proposed QDRO before court filing. This reduces the risk of rejection later. While it’s not always mandatory, we recommend it whenever possible. It’s unclear if the High Speed Delivery 401(k) Plan offers preapproval—but we can find out for you.
Why Clients Everywhere Choose 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. Whether you’re working with an attorney or representing yourself, we can help you avoid delays and errors while protecting your share of the High Speed Delivery 401(k) Plan.
Learn more about our services at: https://www.peacockesq.com/qdros/
Final Thoughts
Dividing a 401(k), especially one like the High Speed Delivery 401(k) Plan from High speed delivery Inc., requires attention to detail, familiarity with plan rules, and legal precision. From vesting schedules to loan balances and Roth distinctions, every feature has to be addressed the right way in 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 High Speed Delivery 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.