Introduction
Dividing retirement assets like the Concho Hearts Hospice, LLC 401(k) Plan during a divorce can be complicated—but it doesn’t have to be. If you or your spouse is a participant in this plan, you’ll need a Qualified Domestic Relations Order (QDRO) to legally split the 401(k) in accordance with your divorce judgment. A QDRO ensures that the division is recognized by both the court and the plan administrator, while also protecting both parties from unnecessary tax penalties and delays.
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 Concho Hearts Hospice, LLC 401(k) Plan
Before you can draft a proper QDRO for the Concho Hearts Hospice, LLC 401(k) Plan, you need to understand some key facts about the plan itself:
- Plan Name: Concho Hearts Hospice, LLC 401(k) Plan
- Plan Sponsor: Concho hearts hospice, LLC 401(k) plan
- Address: 20250620123852NAL0002285107001, 2024-01-01
- EIN: Unknown (must be obtained for QDRO filing)
- Plan Number: Unknown (required for QDRO identification)
- Industry: General Business
- Organization Type: Business Entity
- Plan Participants: Unknown (must identify participant during QDRO process)
- Plan Year: Unknown to Unknown
- Effective Date: Unknown
- Status: Active
- Assets: Unknown
These unknowns typically require some digging during the QDRO drafting process. If you’re unsure of specific plan details, we help you request plan documents and contact plan administrators as part of our start-to-finish process.
Why a QDRO Is Required for 401(k) Division
A QDRO is a legal order that allows a retirement plan to distribute a portion of an account to a former spouse (known as the “alternate payee”) without triggering early withdrawal penalties or tax consequences for the plan participant. Without a QDRO, any transfer of funds from the Concho Hearts Hospice, LLC 401(k) Plan could be considered an unauthorized distribution.
Special Issues with 401(k) Plans in Divorce
Employee vs. Employer Contributions
401(k) plans like the Concho Hearts Hospice, LLC 401(k) Plan may include both employee deferrals and employer matching or profit-sharing contributions. It’s critical that your QDRO specifies whether the alternate payee is entitled to just the employee’s contributions, just the employer’s, or both. You’ll also need to account for whether any of the employer contributions are vested.
Vesting Schedules
Many 401(k)s include a vesting schedule for employer contributions. That’s especially relevant in plans sponsored by business entities like Concho hearts hospice, LLC 401(k) plan, where turnover or short-term employment can lead to partial forfeiture of employer matches. A proper QDRO should clarify whether the division is based on vested amounts only or includes unvested contributions that may vest later.
Loan Balances
If the participant has an active loan against their Concho Hearts Hospice, LLC 401(k) Plan account, the QDRO must account for it. Some courts and plan administrators will subtract the outstanding loan before dividing the account; others will divide the full account and leave the loan as the participant’s sole responsibility. Either way, the QDRO must be clear about how loans are treated.
Roth vs. Traditional 401(k) Accounts
Many modern 401(k) plans include both Roth (after-tax) and traditional (pre-tax) contributions. These two account types are subject to very different tax treatments. A QDRO for the Concho Hearts Hospice, LLC 401(k) Plan should distinguish between the Roth and pre-tax balances, especially if the alternate payee plans to roll the funds into another qualified plan.
Steps to Get a QDRO for the Concho Hearts Hospice, LLC 401(k) Plan
Here’s what to expect in a full-service QDRO process for this specific plan:
- Gather Plan Info: Start by identifying the plan sponsor (Concho hearts hospice, LLC 401(k) plan), the plan number, and any plan-specific QDRO procedures. We assist with this if plan documents aren’t readily available.
- Draft the Order: This is where we ensure the QDRO language is compliant with both federal law and the plan’s terms—including how to split contributions and handle loans, vesting, and Roth funds.
- Preapproval (if applicable): Some administrators allow or require review before filing in court. This step can prevent costly rejection later.
- Court Filing: Once approved (preliminarily or not), we file the order with the court that issued your divorce judgment.
- Submit to Plan Administrator: We handle submission and follow-up with the plan’s administrator to ensure it’s processed and benefits are allocated or rolled over properly.
For more on what can delay or complicate QDROs, see our guide on common QDRO mistakes.
Required Documentation
In order to draft a QDRO that will be accepted by the Concho Hearts Hospice, LLC 401(k) Plan administrator, you’ll need:
- Exact plan name and sponsor info (as listed above)
- The participant’s identifying information
- The divorce judgment or marital settlement agreement
- Plan summary (SPD) and any QDRO-specific guidelines
- Participant loan balance and vesting info (if applicable)
- Plan EIN and plan number (we help request this if unknown)
Without proper documentation, a QDRO can be rejected, which delays the entire division process. See how we avoid those pitfalls in our article on the 5 factors that determine QDRO timing.
Why Choose PeacockQDROs?
A poorly drafted QDRO can lead to rejected orders, lost benefits, or expensive tax mistakes. At PeacockQDROs, we don’t stop at just drafting—we handle everything from clarification of plan rules, to preapproval (where offered), to final court submission and administrator follow-up.
We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. Our clients appreciate our clarity, responsiveness, and ability to handle tough issues like unvested contributions or partitioning Roth funds correctly across multiple plan types.
If you’re feeling unsure about how to divide the Concho Hearts Hospice, LLC 401(k) Plan in your divorce, reach out for direct help. Our goal is simple: get it done right, and get it done without delays.
Final Thoughts
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 Concho Hearts Hospice, LLC 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.