Introduction
Dividing retirement accounts like the Tusimple 401(k) Plan during a divorce can be complicated. These plans often include multiple account types, employer matching, and complex vesting schedules—making them more than just a matter of splitting dollars and cents. If you’re divorcing and either you or your spouse participated in the Tusimple 401(k) Plan, you’ll likely need a Qualified Domestic Relations Order, or QDRO, to divide those assets correctly and legally.
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.
Plan-Specific Details for the Tusimple 401(k) Plan
- Plan Name: Tusimple 401(k) Plan
- Sponsor: Unknown sponsor
- Address: 20250507131631NAL0024229186001, 2024-01-01, 2024-11-12, 2018-06-01, 9191 TOWNE CENTRE DR STE 150
- EIN: Unknown
- Plan Number: Unknown
- Industry: General Business
- Organization Type: Business Entity
- Status: Active
While some of the key identifying information such as EIN and Plan Number are not available, these will be required when submitting a QDRO. Your attorney or QDRO specialist will need to request these from the plan administrator or your HR department. Make sure to include them during preparation to avoid delays.
Why a QDRO Is Necessary for the Tusimple 401(k) Plan
If you’re dividing a 401(k) plan in divorce, a standard divorce decree isn’t enough. You’ll need a Qualified Domestic Relations Order (QDRO), which is a court-approved legal order that instructs the plan administrator how to divide the account. Without it, the plan won’t disburse any funds to the non-employee (alternate payee) spouse.
Since the Tusimple 401(k) Plan is a defined contribution plan tied to Unknown sponsor in the General Business sector, your QDRO must be tailored to this specific plan’s structure and policies. Each 401(k) plan may have different rules regarding distributions, loans, and account types.
Key Elements to Address in a QDRO for the Tusimple 401(k) Plan
1. Employee and Employer Contributions
The Tusimple 401(k) Plan likely includes both employee deferrals and employer matching contributions. These “buckets” of money must be specifically referenced in the QDRO to ensure they’re divided properly. Common practice is to divide the account balance as of a specific cutoff date, but you may also divide by percentage or flat dollar amount. The QDRO should also clarify whether gains and losses after that date are shared.
2. Vesting Schedules and Forfeited Amounts
One tricky part of dividing 401(k) plans like the Tusimple 401(k) Plan is how employer contributions are treated. If the employee (your spouse or you) hasn’t worked at the company long enough, some—or all—of the employer contributions might not be fully vested. That means they could be forfeited when the employee leaves. The QDRO must make clear that only the vested portion will be divided. Any unvested amounts will revert, typically, to the plan sponsor, Unknown sponsor.
3. Existing Loan Balances
If the participant took out a loan from their Tusimple 401(k) Plan account, this reduces the available funds to divide. A good QDRO should state whether the loan balance is to be included or excluded from the marital property division. Plans treat this differently. Some require the alternate payee to share in the loan burden; others do not. This is a critical area where poor drafting can create major disputes.
4. Roth vs. Traditional 401(k) Accounts
The Tusimple 401(k) Plan may offer both traditional (pre-tax) and Roth (post-tax) contributions. Your QDRO must indicate whether the division applies to both account types. Tax treatment matters: distributions from Roth accounts may be tax-free, while traditional accounts are taxed as ordinary income when withdrawn. The QDRO should separate these if necessary to avoid future confusion and tax surprises.
Common Mistakes to Avoid
Dividing retirement assets like the Tusimple 401(k) Plan the wrong way can be costly. We’ve outlined a few frequent mistakes on our Common QDRO Mistakes page, but here are a few highlights:
- Not naming or identifying the plan correctly
- Failing to include specific dates, percentages, or dollar amounts
- Overlooking the plan’s unique vesting or loan rules
- Submitting the QDRO to the court without pre-approval from the plan administrator (if applicable)
- Failing to follow up with the plan administrator after court approval
Every plan—from tech startups to established corporations—handles these issues slightly differently. For a plan like the Tusimple 401(k) Plan under Unknown sponsor, attention to detail is a must.
Step-by-Step QDRO Process for the Tusimple 401(k) Plan
Step 1: Gather Plan Information
Start by collecting everything you can about the Tusimple 401(k) Plan, including account statements, plan summaries, sponsor information, and HR contacts. You’ll need the EIN and Plan Number even though they aren’t listed in the public database, so request them directly from the employer or plan administrator.
Step 2: Draft the QDRO
This is where we come in. At PeacockQDROs, we prepare the QDRO to match the specific language required by the Tusimple 401(k) Plan. We address all necessary items like contributions, account types, and division methods.
Step 3: Pre-Approval (If Applicable)
Some plans offer pre-approval before court filing—others do not. If the Tusimple 401(k) Plan allows it, we submit for pre-approval to avoid costly revisions after court entry.
Step 4: Court Approval
Once drafted and reviewed, the QDRO is submitted to the appropriate court for the judge’s signature. This step formally approves the order under your divorce decree.
Step 5: Submit to the Plan for Processing
After court approval, the final QDRO is sent to the plan administrator. That’s where some firms stop—but not us. We monitor the plan’s review and address any clarifications or admin requests to ensure it’s accepted and your accounts are divided correctly.
You can read more about how long this process typically takes on our page: 5 Factors that Determine QDRO Timing.
Why Work with PeacockQDROs?
We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. At PeacockQDROs, you’re not just getting a document—you’re getting a managed, start-to-finish solution for dividing your Tusimple 401(k) Plan. From confirming administrative approval to ensuring no detail is missed, we’re with you every step.
Learn more about our process at peacockesq.com/qdros or contact us directly here.
Final Thoughts
The Tusimple 401(k) Plan may be part of a divorce, but proper planning ensures it won’t become part of an ongoing legal headache. Understanding your QDRO options and getting the right help makes all the difference. Whether you’re the participant or the alternate payee, clear language, accurate data, and compliance with the plan’s policies will protect your interest long term.
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 Tusimple 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.