Introduction
Dividing retirement accounts during divorce can be one of the most complex and emotionally charged parts of property division. If you or your spouse has a retirement account under the Noco Humane 403(b) Plan, splitting this asset requires a specialized legal process using a Qualified Domestic Relations Order (QDRO). A QDRO is the court order that allows retirement plan assets to be legally and tax-efficiently transferred between divorcing spouses.
At PeacockQDROs, we’ve handled thousands of QDROs from start to finish. We don’t just draft the document—we manage the full process, including court filing, plan preapproval (if needed), submission to the plan administrator, and ongoing follow-up. That’s what makes us different from firms that only hand you a form and wish you luck.
In this article, we’ll walk you through how QDROs work specifically for the Noco Humane 403(b) Plan, and the key things you should watch out for when dividing this type of 401(k) account in a divorce.
Plan-Specific Details for the Noco Humane 403(b) Plan
Understanding the details of the retirement plan in question is an essential first step in drafting a QDRO correctly. Here’s what we know about the Noco Humane 403(b) Plan:
- Plan Name: Noco Humane 403(b) Plan
- Sponsor: Unknown sponsor
- Address: 3501 E 71ST STREET
- Industry: General Business
- Organization Type: Business Entity
- Plan Status: Active
- Plan Type: 401(k)
- Plan Effective Dates: 2003-01-01 to 2024-12-31 (based on available data)
- EIN: Unknown
- Plan Number: Unknown
Because key identifying information such as the EIN and Plan Number are unknown, you should request a copy of the Summary Plan Description (SPD) or plan contact details from your spouse or the plan administrator. These details are required to properly complete a QDRO.
Understanding 401(k) Division Through QDROs
The Noco Humane 403(b) Plan is technically a 401(k) retirement plan, which means it has several elements that must be taken into account when dividing it through a QDRO. Here’s what you need to know:
Employee and Employer Contributions
Contributions to the Noco Humane 403(b) Plan may include:
- Pre-tax employee salary deferrals
- Roth employee contributions (post-tax)
- Employer matching or discretionary contributions
A QDRO can divide all or a portion of these contributions. Most commonly, courts award a fixed percentage (such as 50%) of the marital portion of the account. The marital portion is often defined as the account value from the date of marriage to the date of separation or divorce. It’s critical that the QDRO clearly states whether the alternate payee (the spouse receiving the benefit) is entitled to gains and losses on their share through the distribution date.
Vesting Schedules and Forfeitures
Like many business-sponsored plans, the Noco Humane 403(b) Plan may include a vesting schedule for employer contributions. This means the employee only “owns” a percentage of the employer-funded portion based on years of service. A QDRO cannot award what isn’t vested at the time of the divorce unless specifically agreed upon by both parties.
If a participant is not fully vested in the employer contributions, any non-vested portion may be forfeited later, affecting the total amount available to the alternate payee. Your QDRO should specify whether the alternate payee’s share is based on the vested amount or includes a formula for updating should additional vesting occur post-divorce.
Loans Against the Account
If the participant has taken out a loan from the Noco Humane 403(b) Plan, the account balance shown on statements may be artificially inflated. Loans are not divisible in a QDRO. However, whether the QDRO shares the amount before or after subtracting the loan balance makes a huge difference. Be sure to specify loan handling in the order:
- If dividing the full balance, including the loan amount, the alternate payee is effectively awarded part of the participant’s loan.
- You can also exclude the loan amount entirely from the divisible balance.
This is a commonly mishandled issue, and you can read more about it in our article on common QDRO mistakes.
Traditional vs. Roth Accounts
The Noco Humane 403(b) Plan may allow for both traditional (pre-tax) and Roth (after-tax) contributions. This is extremely important when drafting a QDRO. Why?
- Traditional assets will be taxable upon distribution to the alternate payee.
- Roth assets will not be taxable if held for the required period.
Your QDRO must clearly address whether the division applies only to traditional, only to Roth, or to both types of contributions. Also, specify the taxation responsibility for each portion.
Timing, Filing, and QDRO Approval for the Noco Humane 403(b) Plan
Prepare for Plan Administrator Review
While the sponsor of the Noco Humane 403(b) Plan is unknown, you still need to submit the QDRO to the plan administrator for preapproval if possible. Many plans have specific format requirements that, if not followed, will lead to delays and rejections. At PeacockQDROs, we research these requirements as part of our QDRO preparation process.
Include Required Documentation
Submitting a QDRO usually requires the following:
- Participant and Alternate Payee contact information
- Plan name: Noco Humane 403(b) Plan
- Plan Sponsor: Unknown sponsor
- Plan Number and EIN (you may need to call the plan administrator to obtain these)
- Courthouse-stamped copy of the divorce decree and the signed QDRO
Need help tracking down this information? We can take care of identifying plan contacts and handling all submissions—just one more way we make QDROs easier.
Practice Tips for Dividing the Noco Humane 403(b) Plan
- Request a recent plan statement to assess current loan balances, Roth balances, and employer contributions.
- Get a copy of the plan’s Summary Plan Description (SPD) to understand withdrawal options and payment rules.
- Remember that dividing a retirement account through a QDRO can take weeks or even months, depending on the jurisdiction and plan responsiveness. See this article for more on QDRO timing.
Why Work With PeacockQDROs?
We’ve helped thousands of clients divide retirement benefits the right way. At PeacockQDROs, we don’t just prepare documents—we execute the entire QDRO process so you don’t have to chase down forms, court signatures, or plan administrators.
We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way for divorcing spouses across the country. If you’re trying to divide benefits from the Noco Humane 403(b) Plan, get expert guidance before submitting the wrong form or missing key information.
You can get started, learn more, or submit a contact form here:
Conclusion
Dividing a plan like the Noco Humane 403(b) Plan during divorce requires more than just a basic QDRO template. Issues like unvested employer matches, loan balances, and Roth subaccounts must be addressed properly to avoid costly mistakes later on. Trust professionals who understand the full QDRO process and will manage every step.
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 Noco Humane 403(b) 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.