Understanding QDROs and the Mature Care of Standifer Place 401(k) Plan
If you’re going through a divorce and your spouse has a retirement account with the Mature Care of Standifer Place 401(k) Plan, you’ll likely need a Qualified Domestic Relations Order (QDRO) to divide those retirement benefits. A QDRO is the only way to legally and accurately split a 401(k) plan under divorce without triggering taxes or early withdrawal penalties. But every plan is different in how it handles QDROs—and the Mature Care of Standifer Place 401(k) Plan has specific features that need to be addressed.
At PeacockQDROs, we’ve completed thousands of QDROs from start to finish. That means we don’t just draft the order—we handle all the critical pieces like plan preapproval (if applicable), court filing, administrative follow-up, and final execution. That’s what sets us apart from firms that hand you a document and leave you to figure it out alone.
Plan-Specific Details for the Mature Care of Standifer Place 401(k) Plan
Before drafting your QDRO, here’s what we know about the Mature Care of Standifer Place 401(k) Plan:
- Plan Name: Mature Care of Standifer Place 401(k) Plan
- Sponsor: Mature care of standifer place, LLC
- Address: 2626 Walker Rd
- Organization Type: Business Entity
- Industry: General Business
- Plan Status: Active
- Effective Dates: 2013-11-01 (effective date), 2024 plan year runs from 2024-01-01 to 2024-12-31
- Plan EIN & Plan Number: Unknown — Will be required during QDRO drafting and should be requested from the plan sponsor or HR department
Even though some plan details like the EIN and Plan Number are unavailable publicly, these are absolutely required when drafting a QDRO. Don’t worry—at PeacockQDROs, we help you request and obtain this data properly before filing.
How QDROs Work for 401(k) Plans Like This One
401(k) plans are different from pensions or other retirement plans. They’re governed by the Employee Retirement Income Security Act (ERISA), and only a QDRO can divide these accounts without tax consequences. In the case of the Mature Care of Standifer Place 401(k) Plan, here’s what that means for you:
- The QDRO allows a spouse—called the “alternate payee”—to receive a portion of the participant’s account balance
- Division can be as a percentage, flat dollar amount, or based on specific dates
- The split can apply to either the full account or specific balance types (traditional vs. Roth)
Common Issues in Dividing the Mature Care of Standifer Place 401(k) Plan
Not all 401(k)s are simple. Below are key issues we’ve encountered (and resolved) when dividing 401(k)s like this one during divorce:
1. Vesting and Employer Contributions
This plan is likely to include both employee deferrals and employer matching or profit-sharing. But those employer contributions may be subject to vesting schedules. That means the participant may not yet “own” that part of the balance. In a divorce, only the vested portion of employer contributions can be divided under the QDRO as marital property.
If your divorce order splits the total balance and doesn’t limit it to vested amounts, you could jeopardize your award. We account for vesting language in every division formula or request updated statements before drafting.
2. Plan Loans
Plan loans are another complication. If the participant borrowed from their 401(k), that reduces the plan balance. But it doesn’t always reduce your share under the QDRO unless the settlement clearly accounts for it. Was the loan taken before separation or after? Did both spouses benefit from it?
We’ll look closely at loan disclosures to ensure repayment obligations and loan offsets are handled correctly—either excluded from marital division or divided as part of the QDRO.
3. Roth vs. Traditional 401(k) Components
Many 401(k) plans today include both traditional (pre-tax) and Roth (after-tax) account balances. The two are taxed differently when withdrawn—and they must be identified separately in the QDRO. If only one is split, the QDRO must specify that. If both are divided, we ensure language reflects those distinctions to avoid IRS issues later.
4. Missing Plan Numbers or EINs
The plan number and tax EIN identify the retirement plan legally. They are not optional—they’re required by retirement plan administrators to process your QDRO. In this case, they’re unknown from public records, so you must obtain them through the plan administrator’s HR or payroll department. We’ll help you draft the correct requests and ensure accuracy in your filing.
How PeacockQDROs Handles Everything—Start to Finish
The Mature Care of Standifer Place 401(k) Plan may look like any other business retirement plan—until you try to split it. Every 401(k) plan has unique rules, processing timelines, and approval steps. Most law firms just prepare a QDRO draft and send it back to you to figure the rest out. That’s not how we work at PeacockQDROs.
We guide you through all the steps, including:
- Formal plan information requests (to get missing Plan Number and EIN)
- Drafting the QDRO using correct terms for loans, Roth accounts, and employer contributions
- Pre-approval submissions if the plan offers it
- Court filing once the QDRO is ready
- Submission to the plan administrator
- Follow-up to ensure full processing and payment
We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. And we’re not done until you’re paid.
A Few Final Words on Common QDRO Mistakes
Missing vesting restrictions, ignoring Roth components, and failing to account for loans can cost you thousands. That’s why we always advise reviewing our guide on common QDRO mistakes.
You should also read our overview of how long it takes to get a QDRO done. Every plan is different—and the Mature Care of Standifer Place 401(k) Plan timeline may involve verification delays if data like EINs aren’t readily available. We’ll help you speed things up and get your award safely divided.
Start Your QDRO Today
You don’t need to figure this out on your own. A mistake in a QDRO—especially for a plan like the Mature Care of Standifer Place 401(k) Plan—can mean missed retirement money, increased taxes, or rejected orders. That’s avoidable with the right legal partner.
To learn more about how we handle 401(k) QDROs like this one, visit our full QDRO resources page. Or contact us directly to get started.
State-Specific Final Word
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 Mature Care of Standifer Place 401(k) 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.