Introduction
Going through a divorce can be one of the most stressful events in a person’s life—especially when it comes to dividing retirement assets. If you or your spouse has a 401(k) through the West Herr Employees’ Retirement Plan, you’ll need to understand your rights, what a Qualified Domestic Relations Order (QDRO) is, and how this specific plan works. At PeacockQDROs, we help people divide retirement accounts like this one properly—without delays or costly mistakes.
This article covers what divorcing couples need to know about dividing the West Herr Employees’ Retirement Plan using a QDRO, including important plan-specific issues, such as employer contributions, vesting schedules, loan balances, and Roth vs. traditional funds.
Plan-Specific Details for the West Herr Employees’ Retirement Plan
Before preparing your QDRO, it’s important to gather accurate details about the retirement plan. Here’s what we know:
- Plan Name: West Herr Employees’ Retirement Plan
- Sponsor: West herr ford, Inc..
- Address: 3448 McKinley Parkway
- Plan Type: 401(k) plan
- Organization Type: Corporation
- Industry: General Business
- Status: Active
- Effective Dates: January 1, 2024 – December 31, 2024 (current plan year), originally effective January 1, 1994
- EIN and Plan Number: Unknown (must be obtained from plan documents or administrator)
While the EIN and Plan Number are not publicly listed, they are required when submitting a QDRO. You will need to request this information from West herr ford, Inc.. or locate it in plan statements or a summary plan description (SPD).
Why a QDRO Is Required for the West Herr Employees’ Retirement Plan
A QDRO is a special court order required by federal law that directs a retirement plan to divide retirement benefits between spouses after divorce. Without a QDRO, the West Herr Employees’ Retirement Plan is not legally allowed to distribute benefits to anyone other than the plan participant—even if your divorce decree says otherwise.
Because this is a 401(k) plan, the QDRO must be tailored to address features unique to defined contribution plans. That includes divisions of employee and employer contributions, loan balances, and Roth account distinctions.
Dividing 401(k) Assets in the West Herr Employees’ Retirement Plan
Employee and Employer Contributions
The West Herr Employees’ Retirement Plan likely allows for both employee salary deferrals and employer matching contributions. A QDRO can divide just the pre-tax employee contributions, or it can include employer contributions as well. However, employer contributions may be subject to a vesting schedule.
In your QDRO, it’s crucial to define:
- Which sources of funds are being divided (employee deferrals, employer match, or both)
- The value date for calculating the alternate payee’s award (e.g., date of divorce or a later date)
- How investment earnings and losses should be treated between the valuation date and the date of transfer
Vesting Schedules
Most 401(k) plans, including the West Herr Employees’ Retirement Plan, have a vesting schedule for employer contributions. That means part of the employer-funded portion may not yet belong to the employee.
If you’re dividing employer contributions, we recommend:
- Reviewing the vesting schedule from the Summary Plan Description
- Excluding any non-vested amounts in the QDRO language—or including them as “if and when” vested
This prevents disputes later if the participant leaves the company and forfeits unvested amounts.
Loan Balances
401(k) plans often allow participants to borrow from their own accounts. If the participant has an outstanding loan in the West Herr Employees’ Retirement Plan, this must be addressed in the QDRO.
Your options include:
- Dividing the account balance net of outstanding loan (reducing the account before assigning the alternate payee’s portion)
- Dividing the gross account balance and assigning a portion of the loan debt to the alternate payee (rarely chosen)
Leaving this out of the QDRO can cause serious problems with the account division or lead to overpayments or understatements.
Roth vs. Traditional 401(k) Accounts
The West Herr Employees’ Retirement Plan may contain both traditional 401(k) (pre-tax) and Roth 401(k) (after-tax) accounts. Each requires different tax treatment, and a good QDRO should identify and divide them separately.
Make sure the QDRO specifies:
- Whether the traditional and Roth accounts are being divided proportionally—or whether only one is being divided
- Separate allocation percentages, if applicable
- Confirmation that the alternate payee is receiving the same tax character (Roth vs. pre-tax)
QDRO Process for the West Herr Employees’ Retirement Plan
Here’s a simplified overview of the steps required to divide this 401(k):
- Obtain the correct plan name: West Herr Employees’ Retirement Plan
- Request current plan statements and the Summary Plan Description from the participant or West herr ford, Inc..
- Determine the division method: percentage split, fixed dollar amount, or share of contributions
- Draft the QDRO with plan-specific language
- Submit a draft to the plan administrator for preapproval (if offered)
- File the QDRO with the court and obtain a certified copy
- Submit the certified order to the plan administrator for implementation
We strongly recommend working with a team that understands QDROs, especially for multi-source 401(k) plans like this one. 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.
Common Mistakes to Avoid
We’ve seen the same problems over and over again in DIY or template-based QDROs. If you’re dividing the West Herr Employees’ Retirement Plan, avoid these errors:
- Failing to address loan balances
- Overlooking Roth vs. traditional account types
- Not specifying what happens with unvested employer contributions
- Missing plan-specific language required by the administrator
- Using out-of-date or incorrect plan sponsor info
Check out our list of common QDRO mistakes to protect your share of retirement benefits.
How Long Does a QDRO Take?
QDRO timelines vary depending on plan administrator response times, court filing speed, and document quality. You can read more about timing on our page: How Long Does a QDRO Take?
With PeacockQDROs, we aim to move your order forward without delay, and we follow up until it’s processed.
Why Choose PeacockQDROs?
We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. Whether it’s a standard 401(k) division or a plan full of loan balances and unvested employer matches, we know what it takes to get the job done right.
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 West Herr Employees’ 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.