Understanding QDROs and the Dunamis Coalition 401(k) Plan
Dividing retirement assets during divorce can get complicated—especially when you’re dealing with workplace retirement accounts like the Dunamis Coalition 401(k) Plan. If your spouse has retirement savings in this plan offered by Dunamis coalition LLC, you’ll likely need a QDRO to claim your share. A Qualified Domestic Relations Order (QDRO) is a special legal document that allows retirement benefits to be divided without triggering early withdrawal penalties or tax issues.
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, pre-approval (if applicable), court filing, submission to the plan, and every detail in between—that sets us apart from firms that only prepare the paperwork and hand it off to you.
Plan-Specific Details for the Dunamis Coalition 401(k) Plan
- Plan Name: Dunamis Coalition 401(k) Plan
- Sponsor: Dunamis coalition LLC
- Address: 20250717155026NAL0000615265001, 2024-01-01
- EIN: Unknown
- Plan Number: Unknown
- Industry: General Business
- Organization Type: Business Entity
- Participants: Unknown
- Plan Year: Unknown to Unknown
- Effective Date: Unknown
- Status: Active
- Assets: Unknown
Although some details like the EIN and plan number are currently unknown, these pieces of information will be required during the QDRO drafting and approval process. Your attorney or QDRO specialist can obtain them directly from the administrator or your divorce discovery process.
Key QDRO Considerations for 401(k) Plans
The Dunamis Coalition 401(k) Plan falls under the category of 401(k) retirement savings plans. These plans can include multiple components: traditional (pre-tax), Roth (after-tax), employer contributions, employee salary deferral contributions, and potentially outstanding loan balances. When dividing these assets, it’s important to understand what makes 401(k)s unique during divorce.
1. Traditional vs. Roth Accounts
Many 401(k) plans allow both traditional (pre-tax) and Roth (after-tax) contributions. If the participant has both account types, the QDRO needs to account for this. A common mistake is treating all contributions as if they’re the same. Roth contributions have already been taxed, which affects how distributions are taxed to the alternate payee (you or your ex-spouse). The Dunamis Coalition 401(k) Plan may include Roth and traditional assets, so the QDRO must separate them clearly to avoid IRS complications.
2. Vesting and Forfeiture Issues
Employer contributions are usually subject to a vesting schedule. If the participant is not fully vested at the time of divorce, then any non-vested employer contributions may not be available for division. The administrator of the Dunamis Coalition 401(k) Plan will need to confirm what portion of any employer contributions are vested as of the division date. If the QDRO overestimates the vested amount, the alternate payee could see a reduced or delayed distribution.
3. Dividing Pre-Tax Contributions and Earnings
Most people assume a percentage of the account balance can be transferred simply. But 401(k) balances change daily due to market fluctuation. A good QDRO for the Dunamis Coalition 401(k) Plan will clearly specify:
- The division date (often called the “Evaluation Date” or “Assignment Date”).
- Whether gains and losses after that date apply to the alternate payee’s share.
Without this language, there’s room for dispute and delay. The plan administrator may reject a poorly worded order or misapply the division.
4. Outstanding Loan Balances
If the participant borrowed against their Dunamis Coalition 401(k) Plan balance, it presents another key issue. Should the loan be considered part of the divisible balance? Or should the alternate payee receive their share as if the loan hadn’t been taken? Each option has major consequences:
- Include loan: Alternate payee gets less, but true account value is used.
- Exclude loan: Alternate payee’s share is unaffected, but the participant bears the burden.
This decision should be made carefully and spelled out clearly in the QDRO. The plan administrator will not make assumptions on how you want loans to be treated.
Drafting a QDRO That Works for the Dunamis Coalition 401(k) Plan
Work with the Plan Administrator Early
401(k) plan administrators often require specific formats or even offer model language. It’s best to obtain any plan-specific QDRO guidelines from Dunamis coalition LLC at the beginning of the process. This helps eliminate unnecessary back-and-forth and prevents rejections. Since this is a Business Entity operating in a General Business industry, their retirement plan may be administered by a commonly used provider like Fidelity, Vanguard, or ADP, but you’ll need to confirm that directly with the employer or through discovery.
Use Clear, Unambiguous Language
The QDRO should leave no room for guesswork. Key elements of a solid QDRO for the Dunamis Coalition 401(k) Plan include:
- Accurate plan name: Always use “Dunamis Coalition 401(k) Plan.”
- Correct sponsor: “Dunamis coalition LLC.”
- Participant and alternate payee details (including DOB and SSNs, submitted privately—not in the court order).
- Exact division amount: Percentage, dollar figure, or formula.
- Direction on how to apply investment gains/losses.
- Loan treatment instructions.
- Account type treatment (e.g., Roth vs. traditional).
Omitting or confusing any of these areas can result in delays or incorrect fund transfers—some of the most common problems we see when reviewing other firms’ QDROs. You can read about more common QDRO mistakes here.
Include Plan Number and EIN If Known
While the Plan Number and EIN for the Dunamis Coalition 401(k) Plan are currently listed as “unknown,” they are normally required in the final QDRO. These details uniquely identify the plan and avoid confusion with other benefit programs. If you’re working with PeacockQDROs, we’ll track down those identifiers for you during our prep process.
Why Working with PeacockQDROs Makes All the Difference
It’s not enough to just “get a QDRO.” The goal is to get your share of the retirement resources safely, promptly, and with as little hassle as possible. At PeacockQDROs, we do all of it for you—drafting, court handling, follow-up, and final execution with the plan administrator. You won’t be left wondering what to do next. We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way.
Timelines vary, but you can better understand your QDRO timeframe with this guide: 5 Factors That Determine QDRO Timing.
Final Tips for Dividing the Dunamis Coalition 401(k) Plan
- Always double-check account types (Roth vs. traditional).
- Don’t assume fully vested employer contributions—get confirmation in writing.
- Address plan loans in your QDRO explicitly.
- Request pre-approval from the plan (if applicable) before filing with the court.
- Avoid generic QDRO templates—they rarely meet all the plan-specific requirements.
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 Dunamis Coalition 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.