Introduction
Dividing a 401(k) retirement plan in divorce is never simple. But when you’re splitting a specific plan like the 20250624135401nal0004264883001, there are extra layers of detail that need to be addressed. This plan, sponsored by Zenith american solutions, Inc., includes all the common 401(k) complexities—employee and employer contributions, potential Roth and traditional subaccounts, and possibly outstanding loan balances. Making sure everything is properly addressed in your Qualified Domestic Relations Order (QDRO) is essential to protect your share.
At PeacockQDROs, we’ve processed thousands of QDROs across various plan types and industry sectors. And we don’t just draft your QDRO—we handle every step, from identifying plan terms to final submission and approval. This article walks you through exactly what you need to know to divide the 20250624135401nal0004264883001 in divorce using a QDRO.
Plan-Specific Details for the 20250624135401nal0004264883001
Here’s what we know about this specific retirement plan:
- Plan Name: 20250624135401nal0004264883001
- Sponsor: Zenith american solutions, Inc.
- Sponsor Address: 2625 BUTTERFIELD ROAD, SUITE 208E
- Plan Type: 401(k)
- Organization Type: Corporation
- Industry: General Business
- Plan Year: Unknown to Unknown
- Effective Date: Unknown
- Status: Active
- Plan Number: Unknown (required for filing)
- EIN: Unknown (required for filing)
Even with some missing details like EIN and plan number, a well-drafted QDRO can move forward with proper coordination and follow-up through the plan administrator. That’s another reason why it’s critical to work with QDRO experts like those at PeacockQDROs.
Why a QDRO Matters for This Plan
The 20250624135401nal0004264883001 is a 401(k) plan, which is a tax-deferred retirement vehicle. Without a QDRO, any transfer of funds from this plan between divorcing spouses can trigger immediate taxes and penalties. A QDRO legally directs the plan administrator to split the account in accordance with the divorce judgment, without creating tax issues for either party—if handled correctly.
Understanding Employee and Employer Contributions
401(k) plans typically have two main sources of contributions: the employee’s elective deferrals and the employer’s matching or non-elective contributions. Here’s how they’re treated in divorce:
- Employee Contributions: These are fully vested immediately and are divisible as part of marital property.
- Employer Contributions: These often follow a vesting schedule. Only the vested portion can be divided unless the settlement agreement says otherwise.
In this plan, you might run into contributions that aren’t fully vested. If the alternate payee (usually the ex-spouse receiving the benefits) requests a portion of unvested employer matching funds, that claim may be denied unless the QDRO accounts for this correctly.
Accounting for Vesting Schedules
Employer-matching funds often vest over time—commonly over 3 to 6 years. If your QDRO attempts to divide unvested amounts, you’ll either need to:
- Use a formula that adjusts for future vesting, or
- Limit the award to vested amounts only as of a specific date
We’ve seen divorce situations unravel at the distribution stage because the QDRO didn’t handle vesting properly. At PeacockQDROs, we ensure any vesting language is accurate and in line with plan rules.
Handling Loan Balances
401(k) loans are another common issue in QDROs. If the participant has an outstanding loan from the 20250624135401nal0004264883001, the balance needs to be accounted for in one of two ways:
- Do you calculate the alternate payee’s share before or after subtracting the loan?
- Do you assign the loan obligation entirely to the participant, or divide its impact between both parties?
There’s no “one-size-fits-all” solution here. The decision depends on what the parties agreed to, and whether the loan was taken before or after separation. Our QDRO drafters will help you draft language that reflects your settlement and still works with the plan’s policies.
Traditional vs. Roth Subaccounts
Many plans, including the 20250624135401nal0004264883001, now include both traditional 401(k) and Roth 401(k) subaccounts. Here’s what that means for your QDRO:
- Traditional 401(k): Funded with pre-tax dollars; distributions are taxed as income.
- Roth 401(k): Funded with post-tax dollars; qualified distributions are tax-free.
If the participant in this plan has both types of accounts, it’s important to spell out in the QDRO whether both subaccounts are being divided, and if so, in what proportions. Otherwise, you risk a QDRO that only divides one of the accounts—or gets rejected by the plan entirely.
How We Handle the QDRO Process
At PeacockQDROs, we handle everything—from drafting to filing to final implementation. Our approach to QDROs for plans like the 20250624135401nal0004264883001 includes the following steps:
- Confirm whether loans, vesting, and Roth accounts are present
- Gather required plan details (including EIN and plan number if not provided)
- Draft the QDRO document in accordance with your divorce terms
- Submit to the plan administrator for preapproval (if needed)
- File the QDRO with the appropriate court for entry
- Send the court-certified QDRO to the administrator for processing
That level of service is why we maintain near-perfect reviews. See what makes us different: PeacockQDROs QDRO Services.
Common Mistakes to Avoid with This Plan
401(k) plans like the 20250624135401nal0004264883001 come with all the usual challenges. Here are some mistakes we help clients avoid:
- Failing to include specific language about Roth subaccounts
- Overlooking how to handle loan offsets and obligations
- Assuming all plan assets are vested (they may not be)
- Leaving out the EIN or plan number in the QDRO (required by most recordkeepers)
- Not reviewing the plan’s own model QDRO or procedures
We break down more mistakes like these in our guide: Common QDRO Mistakes.
How Long Does a QDRO Take?
The time it takes to finalize a QDRO for the 20250624135401nal0004264883001 will depend on several factors:
- How quickly the parties agree on terms
- Whether there’s a loan or vesting complexity
- Processing times at the plan administrator and the court
Want a deeper look at timelines? Visit this resource for insight on QDRO timing.
We’re Here to Help
Dealing with a QDRO for the 20250624135401nal0004264883001 doesn’t have to be stressful. When you work with PeacockQDROs, you get step-by-step help from a team that knows how these 401(k) plans function, and how to draft orders that get approved. We don’t leave you halfway through the process.
Start with our full QDRO resources here: Qualified Domestic Relations Order Services.
California, New York, New Jersey, and More—We’ve Got You Covered
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 20250624135401nal0004264883001, 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.