Overview: Dividing The Caci Smart Plan in Divorce
Dividing a 401(k) plan during divorce can get complicated quickly—especially when it involves corporate-sponsored plans like The Caci Smart Plan. If you or your spouse is a participant in this plan through Caci international, Inc., you’ll need a Qualified Domestic Relations Order (QDRO) to split the retirement benefits legally and effectively.
In this guide, we’ll walk you through the key considerations for dividing The Caci Smart Plan during a divorce. From handling vested and unvested employer contributions to addressing loan balances and Roth accounts, we cover what you need to know to protect your share.
What Is a QDRO and Why You Need One
A QDRO is a court order that creates or recognizes an alternate payee’s right to receive a portion of a retirement plan participant’s benefits during divorce. Without a QDRO, the plan administrator cannot lawfully distribute any portion of The Caci Smart Plan to a non-employee spouse.
This legal tool is especially useful for dividing tax-qualified retirement plans like 401(k)s, allowing the spouse to receive their share directly—without triggering early withdrawal penalties or taxes, if handled properly.
Plan-Specific Details for The Caci Smart Plan
Before drafting a QDRO, we always start with the plan’s specific details. Here’s what we know about The Caci Smart Plan:
- Plan Name: The Caci Smart Plan
- Sponsor: Caci international, Inc.
- Address: 12021 Sunset Hills Road
- Plan Type: 401(k) retirement plan
- Industry: General Business
- Organization Type: Corporation
- Status: Active
- EIN: Unknown (this must be confirmed for the QDRO)
- Plan Number: Unknown (also required for the order)
Because some of the identifying information like the EIN and plan number are currently unknown, we advise working with a QDRO professional at the early stages to contact the plan administrator for the correct documentation.
Common 401(k) Issues in QDRO Division
The Caci Smart Plan contains several features common to 401(k) plans that require special attention when preparing the QDRO. Here’s what to watch out for:
Employee and Employer Contributions
Your QDRO needs to clearly specify whether it will divide only employee contributions (typically fully vested) or also include employer contributions, which may be subject to a vesting schedule. If the participant is not 100% vested in the employer match, some funds may not be available for division.
We typically recommend including precise language to address scenarios like forfeitures. For example, if some employer contributions are forfeited before distribution, should the alternate payee receive their percentage from what’s left, or just their share of the vested amount at the time of division? These details matter.
401(k) Loan Balances
Many 401(k) plans allow participants to borrow from their retirement funds, and The Caci Smart Plan may include outstanding loan provisions. If there’s a current loan, the QDRO must address whether the alternate payee’s share is computed before or after deducting the loan amount.
This can impact the ultimate division substantially. For example, if a participant has $150,000 in the plan but $50,000 in loans, is the division based on the gross or net amount? Most plan administrators follow specific practices, but it all starts with clear QDRO language.
Roth vs. Traditional Account Balances
The Caci Smart Plan likely includes both traditional 401(k) and Roth 401(k) subaccounts. These must be treated separately in a QDRO because each has distinct tax treatments. If the order doesn’t properly allocate each account type, the plan administrator may reject it.
It’s not uncommon for spouses to specify a percentage from each account type—for instance, 50% of both traditional and Roth balances as of a specific date. If those account types are mismatched in the QDRO, it could create tax or administrative complications down the road.
Vesting Schedules and Forfeitures
Vesting schedules determine when employer contributions legally belong to the employee. If your spouse is only 60% vested in the employer portion of The Caci Smart Plan, the remaining 40% will be forfeited if they leave the company. The QDRO should spell out what happens in these cases—especially if you’re supposed to get a share of forfeited funds when they later become vested.
At PeacockQDROs, we always review the plan’s Summary Plan Description (SPD) and internal vesting rules before finalizing any language, because missteps here often lead to disputes or delays.
Required Plan Information in the QDRO
Even though some plan information—like the EIN and Plan Number—may be missing from the public data, they are mandatory for the QDRO approval process. These identifiers help the administrator process the order in compliance with ERISA guidelines.
If you’re preparing a QDRO for The Caci Smart Plan, be sure to request this data in writing from Caci international, Inc. or their third-party administrator. We’ll help you secure the correct information and make sure it’s included properly in the final order.
What Makes QDROs with PeacockQDROs Different
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 entire process—drafting, pre-approval (if applicable), court filing, submission, and coordination with the plan administrator.
That’s what sets us apart from firms that only prepare the paperwork and hand it over. We’re known for our attention to detail, accuracy, and follow-through, which is why we maintain near-perfect reviews and pride ourselves on a track record of doing things the right way.
If you’re dealing with The Caci Smart Plan in your divorce, you can start learning more about the QDRO process here: QDROs Explained
Avoid These Common Mistakes When Dividing 401(k) Plans
With 401(k) QDROs, there’s very little room for error. Mistakes can delay distribution, create tax problems, or even result in a denied order. To help you avoid common pitfalls, check out our guide on Common QDRO Mistakes.
Some of the most frequent issues we see with The Caci Smart Plan and similar corporate 401(k)s include:
- Failing to address loan balances
- Ignoring unvested employer contributions
- Unclear language for Roth vs. Traditional account division
- Using the wrong valuation date
How Long Does the QDRO Process Take?
The timeline depends on several factors, including how quickly you act. Things like court processing delays, plan administrator review times, and required pre-approvals can all affect the total duration. To understand the realistic expectations, review our timeline guide here: 5 Factors That Affect QDRO Timelines.
Final Tips for Dividing The Caci Smart Plan
If you or your spouse has The Caci Smart Plan, don’t wait until after your divorce is finalized to start the QDRO process. Many people make the mistake of waiting too long, only to find out that the distribution is delayed or denied due to missing plan provisions or ambiguous settlement language.
Work with someone who knows how to handle 401(k) plans sponsored by corporations like Caci international, Inc. This is especially important with complex accounts involving Roth balances, forfeiture clauses, and active loan repayments.
Still Have Questions About QDROs and The Caci Smart Plan?
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 The Caci Smart 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.