Understanding QDROs and the Broadway House for Continuing Care, Inc.. 403(b) Retirement Plan
If you’re divorcing and one or both of you are participants in a workplace retirement plan like the Broadway House for Continuing Care, Inc.. 403(b) Retirement Plan, you’ll likely need a Qualified Domestic Relations Order (QDRO) to divide the account. A QDRO is a special court order that gives a former spouse (called the “alternate payee”) the right to receive a portion of the retirement benefits earned by the other spouse (the “participant”) under a qualified retirement plan.
Because the Broadway House for Continuing Care, Inc.. 403(b) Retirement Plan is a 401(k)-type retirement plan, there are specific details that have to be addressed in the QDRO. Mistakes made in this process can cause confusion, delays, and lost benefits—so understanding the details matters.
Plan-Specific Details for the Broadway House for Continuing Care, Inc.. 403(b) Retirement Plan
- Plan Name: Broadway House for Continuing Care, Inc.. 403(b) Retirement Plan
- Sponsor: Broadway house for continuing care, Inc.. 403(b) retirement plan
- Address: 20250807101532NAL0004092400001, 2024-01-01
- EIN: Unknown (you’ll need this for the QDRO submission)
- Plan Number: Unknown (this is also required in most QDRO forms)
- Industry: General Business
- Organization Type: Corporation
- Participants: Unknown
- Plan Year: Unknown to Unknown
- Status: Active
- Assets: Unknown
The limited public information available means that when preparing a QDRO for this plan, you may need to contact the plan administrator directly to obtain current plan details, such as vesting schedules, contribution tracking, or available account types.
What Makes 403(b) and 401(k) QDROs Tricky?
Even though this is labeled as a “403(b)” plan, it functions much like a 401(k)—which means it can involve:
- Participant and employer contributions
- Loans taken out against the plan
- Traditional pre-tax and Roth after-tax accounts
- Vesting schedules that could affect what’s actually available to divide
All of these details can significantly affect how a QDRO is written—and whether you receive what you’re expecting.
Employee vs. Employer Contributions
The Broadway House for Continuing Care, Inc.. 403(b) Retirement Plan likely includes employee contributions (the participant’s salary deferrals) and potentially employer matching or profit-sharing contributions. A QDRO can divide both types, but there’s a big catch: employer contributions may be subject to vesting.
Why Vesting Matters
If the participant isn’t fully vested in the employer match at the time of divorce, only the vested portion can be divided. The rest may be forfeited later unless the participant stays with the employer long enough to vest fully. Your QDRO has to factor this in—especially when assigning percentages or fixed dollar amounts to the alternate payee.
Loan Balances and QDROs
Many 401(k)-style plans, including the Broadway House for Continuing Care, Inc.. 403(b) Retirement Plan, let employees borrow from their accounts and repay the loans over time. A QDRO typically can’t divide funds already loaned out. Instead, you’re dividing what’s actually left in the account at the time of division.
A well-drafted QDRO should address:
- Whether to divide using a balance net of loans or gross before subtracting any loans
- The treatment if the participant later defaults on the loan
At PeacockQDROs, we customize these terms to match what was agreed to in your divorce—and to comply with plan rules.
Roth vs. Traditional Accounts
Another key point is Roth vs. traditional balances. The Broadway House for Continuing Care, Inc.. 403(b) Retirement Plan may include both types of accounts:
- Traditional accounts are funded with pre-tax contributions and taxed upon withdrawal
- Roth 403(b) accounts are funded with after-tax money and can be tax-free on withdrawal if certain conditions are met
When drafting a QDRO, you must specify whether the alternate payee is receiving a portion of:
- Just the traditional account
- Just the Roth account
- Both
A QDRO that doesn’t address this can lead to delays and rejection by the plan administrator or create future tax consequences for the alternate payee.
QDRO Tips Specific to General Business Plans and Corporations
Since the Broadway house for continuing care, Inc.. 403(b) retirement plan is a general business plan sponsored by a corporation, you can expect a formally written plan document with a designated QDRO department or third-party administrator.
Here are practical steps when dividing this kind of plan:
- Request a copy of the Summary Plan Description (SPD) to learn the plan’s QDRO requirements
- Ask the plan for QDRO formatting guidelines if available—some plans require preapproval before filing with the court
- Determine the appropriate mailing address for QDRO submission, especially since the listed address appears to relate to a filing record, not the plan administrator
Your QDRO Timeline: Expectation vs. Reality
How long it takes to finalize your QDRO depends on several factors. Don’t underestimate the time involved—plans can take weeks or months to review an order. We encourage divorcing spouses to learn these five factors that affect QDRO timelines.
Why Most QDROs Get Rejected (and How to Avoid It)
One misstep—such as failing to reference both pre-tax and Roth components, or using incorrect plan language—can result in a returned QDRO. At PeacockQDROs, we’ve seen far too many rejected orders due to common, avoidable errors. We’ve put together a guide on common QDRO mistakes so you don’t make the same ones.
How PeacockQDROs Makes It Easy
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—no shortcuts, no confusion. And because we’ve worked with corporate-sponsored general business plans like the Broadway House for Continuing Care, Inc.. 403(b) Retirement Plan countless times, we know exactly what each plan administrator is looking for.
Ready to start? Learn more about our full QDRO services here: QDRO Services at PeacockQDROs.
Documentation Needed for the Broadway House for Continuing Care, Inc.. 403(b) Retirement Plan QDRO
To prepare a QDRO for the Broadway House for Continuing Care, Inc.. 403(b) Retirement Plan, you’ll likely need:
- Participant’s name and last known address
- Alternate payee’s name and address
- Last four digits of both parties’ Social Security numbers
- Date of marriage and date of separation/divorce
- Plan name and sponsor: Include both exactly as listed above
- EIN and Plan Number: If unknown, request from plan administrator
Take the Next Step With 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 Broadway House for Continuing Care, Inc.. 403(b) Retirement 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.