Introduction
Dividing retirement assets like the Strunk Hr, LLC 401(k) Plan during divorce requires more than just a divorce decree—it requires a Qualified Domestic Relations Order, or QDRO. If your spouse has benefits in the Strunk Hr, LLC 401(k) Plan and you’re entitled to a share, you need to take the right steps to protect your portion. But 401(k) plans come with special rules: vesting schedules, loan balances, and separate Roth and traditional accounts all affect what you get and how you get it.
At PeacockQDROs, we’ve completed thousands of QDROs from start to finish. That means we don’t just draft the document—we take it all the way through court and follow up with the plan administrator until it’s fully processed. Here’s what you need to know if you’re dividing the Strunk Hr, LLC 401(k) Plan in your divorce.
Plan-Specific Details for the Strunk Hr, LLC 401(k) Plan
Knowing the specific details about the retirement plan in question makes a big difference when drafting your QDRO. For the Strunk Hr, LLC 401(k) Plan, here is what we know:
- Plan Name: Strunk Hr, LLC 401(k) Plan
- Sponsor: Strunk hr, LLC 401(k) plan
- Address: 3300 N. Ashton Blvd. Suite 230
- Plan Type: 401(k)
- Organization Type: Business Entity
- Industry: General Business
- Plan Status: Active
- Effective Date: Unknown
- Plan Year: Unknown to Unknown
- EIN and Plan Number: Required as part of the QDRO submission packet, must be requested from the plan administrator
This 401(k) plan is associated with a General Business operation and falls under private-sector rules. That means your QDRO must follow ERISA and IRS guidelines and comply with the plan’s own procedures—especially as it relates to how and when payments will be made.
Why QDROs Are Necessary for 401(k) Division
A Qualified Domestic Relations Order is a court order that allows a retirement plan to pay benefits to someone other than the plan participant—typically, the former spouse. Without a QDRO, the plan’s administrator cannot make those payments, even if your divorce decree says you’re entitled to them.
For a 401(k) like the Strunk Hr, LLC 401(k) Plan, you’ll need a QDRO that carefully addresses several key issues:
- Whether to divide the account as of a specific date or percentage
- Handling outstanding loan balances within the participant’s account
- Addressing whether the alternate payee will receive a share of traditional and/or Roth subaccounts
- Clarifying treatment of vested and unvested employer contributions
Participant Loans: Don’t Let Them Reduce Your Share
If the plan participant took out a loan from their 401(k), it will reflect as a reduction in the account balance—but the loan proceeds likely benefited both spouses during the marriage. That means it often makes sense to treat the loan as part of the balance for division purposes.
You can’t get your half of the loan back from the plan—but your QDRO can increase your percentage of the remaining account to offset it. Not addressing this issue means you might walk away with less than your fair share.
Employer Contributions and Vesting Schedules
Many private-sector 401(k) plans, including those set up for Business Entities like Strunk hr, LLC 401(k) plan, include employer matching or profit-sharing contributions. These contributions often vest over time via a tiered schedule.
This matters because:
- Unvested employer contributions aren’t legally part of the participant’s ownership—yet.
- If the employee leaves the company before full vesting, those funds may be forfeited.
Your QDRO should specify that you’re entitled only to the “vested” portion as of the division date. But in some cases, you can word the QDRO to receive a percentage of anything that vests later, provided the participant stays long enough. It all depends on what you and your attorney agree is fair during negotiations.
Roth vs. Traditional Balance Division
One often-overlooked issue in 401(k) QDROs is account type. The Strunk Hr, LLC 401(k) Plan may include both traditional (pre-tax) and Roth (after-tax) funds. Simply asking for “50% of the plan” without more detail can lead to disputes or accounting errors.
Make sure your QDRO spells out whether the alternate payee is receiving:
- A proportional share of both traditional and Roth balances
- Only traditional or only Roth balances
Also, some plans require the alternate payee to roll assets into a similar account type. For Roth 401(k) funds, this usually means transferring to a Roth IRA to avoid tax consequences.
Timing and Payment Options
401(k) QDRO payments can often be made in one lump sum shortly after approval. But you should consider whether that’s best for your situation. In some cases, leaving the funds in the plan until retirement may be a better option—especially if the QDRO allows investment growth and plan options to continue accruing for the alternate payee.
Other options include rolling over the funds to an IRA, which avoids taxes at the time of transfer as long as it’s done correctly. Your QDRO should clearly state the form of distribution so the plan administrator can comply.
Avoiding Common QDRO Mistakes
Even one wrong word can cause delays—or worse, a denial. We see these common mistakes regularly:
- Not specifying the treatment of loans
- Failing to clarify account type division (Roth vs Traditional)
- Using outdated plan language
- Incorrect calculation dates
- Not obtaining preapproval where required
We’ve outlined these and more in our guide on common QDRO mistakes, which we recommend reviewing before finalizing your court order.
The PeacockQDROs Advantage
Some companies draft the QDRO and walk away. At PeacockQDROs, we handle everything—from drafting to preapproval (if applicable), court filing, and follow-up with the plan administrator. We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way.
Check out our main QDRO page here: https://www.peacockesq.com/qdros/
And if you’re wondering how long it will take, our guide on the 5 factors that determine how long a QDRO takes explains it all.
Next Steps
Dividing the Strunk Hr, LLC 401(k) Plan isn’t simple, but it doesn’t have to be stressful. With the right team handling your QDRO, you’ll protect your share and avoid years of confusion or costly delays.
Start by verifying the exact plan details with the plan administrator. Be sure to request the Summary Plan Description and any QDRO guidelines. Once you have those, we can help you put together a solid, enforceable order that gets results.
State-Specific Help
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 Strunk Hr, LLC 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.