Dividing the Dee King Trucking 401(k) Plan in Divorce
Divorce often involves dividing retirement accounts, and 401(k) plans are among the most common. If you’re dealing with the Dee King Trucking 401(k) Plan during your divorce, you’ll need to follow specific steps to ensure the division is legally binding and accepted by the plan administrator. This is where a Qualified Domestic Relations Order, or QDRO, comes in.
At PeacockQDROs, we’ve handled thousands of QDROs from start to finish. We don’t just draft the order and hand it off—we take care of preapproval (if the plan allows it), court filing, submission, and follow-up with the plan. That’s what sets us apart.
What is a QDRO and Why Do You Need One?
A QDRO is a special court order that allows a portion of a retirement account like the Dee King Trucking 401(k) Plan to be legally assigned to an ex-spouse after divorce. Without it, the plan cannot make distributions to anyone other than the original account owner—the employee participant.
This order must meet federal and plan requirements to be valid. If it’s done incorrectly, it can delay your divorce or cause costly mistakes. That’s why working with an experienced QDRO team is key.
Plan-Specific Details for the Dee King Trucking 401(k) Plan
Understanding the specific details of the plan can help you and your attorney draft a more accurate and approvable QDRO:
- Plan Name: Dee King Trucking 401(k) Plan
- Sponsor: Unknown sponsor
- Address: 20250429150112NAL0000636225001, 2021-01-01 to 2021-12-31, effective from 2014-01-01
- EIN: Unknown (must be obtained for filing)
- Plan Number: Unknown (must be included in the QDRO)
- Status: Active
- Industry: General Business
- Organization Type: Business Entity
- Assets: Unknown (individual participant account info must be requested by subpoena or disclosure)
- Participants: Unknown
- Plan Year: Unknown to Unknown
You or your attorney will need to gather missing information—like the EIN and plan number—as these are required for any QDRO submission.
Key Elements of Dividing a 401(k) Like the Dee King Trucking 401(k) Plan
Employee and Employer Contributions
In the Dee King Trucking 401(k) Plan, the participant’s balance likely includes both employee salary deferrals and employer-matching or discretionary contributions. The QDRO must clearly state how these are to be divided.
Some plans allow you to divide the entire account as of a particular date. Others split just the vested portion at that time. Your order should specifically list whether pre-marital and post-marital contributions are included or excluded.
Vesting Schedules on Employer Contributions
This is a big issue in 401(k) division. Employer contributions are often subject to a vesting schedule. That means the employee doesn’t own 100% of employer funds until they’ve met certain years of service.
If you’re not fully vested at the time of divorce, a QDRO must make clear that only the vested portion is being split—or else someone could receive more than they’re entitled to, and the plan will reject the order.
Loan Balances and Liability
401(k) loans are common. They reduce the account balance available for division. The QDRO should say whether loan balances are subtracted before the alternate payee’s share is calculated or whether the alternate payee assumes no liability for outstanding plan loans.
The Dee King Trucking 401(k) Plan may also restrict withdrawals if there are unpaid loans. Make sure the QDRO addresses this so there are no surprises after it’s filed.
Roth vs. Traditional Accounts
The Dee King Trucking 401(k) Plan may include both Roth and pre-tax accounts. That matters because Roth 401(k) funds are after-tax, while traditional ones are taxed upon distribution.
Your QDRO should state whether each account type is divided proportionally or whether only one is being divided. If this isn’t handled correctly, the alternate payee could face unexpected tax consequences.
Common Mistakes to Avoid
We’ve seen countless avoidable errors in QDROs over the years. Here are the top issues when dividing the Dee King Trucking 401(k) Plan:
- Not confirming whether employer contributions are fully vested
- Overlooking plan loans or misassigning debt liability
- Failing to separate Roth and traditional assets properly
- Missing or incorrect plan name, EIN, or plan number
- Not addressing gains or losses between the division date and the distribution date
Read more about common pitfalls on our post Common QDRO Mistakes.
Timing and Processing
After drafting, the QDRO must often go through pre-approval by the plan administrator (if offered), get signed by the judge, and be submitted for implementation.
Check out our guide on QDRO processing times here: QDRO Timelines
Working with PeacockQDROs
At PeacockQDROs, we make this process easier. Unlike other services that just hand you a draft, we handle the entire process:
- We communicate with the plan if their procedures are available
- We confirm formatting, address legal concerns, and ensure compliance
- We file the order with the court, send the signed version to the administrator, and follow up as needed
We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way.
Learn more about our process here: PeacockQDROs QDRO Services
What You Need to Get Started
Before we can prepare a QDRO for the Dee King Trucking 401(k) Plan, you’ll want to gather:
- Participant’s full name and Social Security Number
- Alternate payee’s full identification info
- Date of marriage and date of separation
- Latest account statements showing overall balance, loan amounts, and whether any portions are Roth
- Any known information regarding the employer’s vesting schedule
Don’t worry if you don’t have everything—we can help recover essential plan data in most cases.
Contact Us for Help With the Dee King Trucking 401(k) 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 Dee King Trucking 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.