Introduction
During divorce, retirement accounts like 401(k)s don’t divide themselves. If you’re facing a divorce involving the Key Collision 401(k) Plan, sponsored by A.r.t. management, LLC, you’ll likely need a Qualified Domestic Relations Order (QDRO) to ensure a fair and legal division.
QDROs aren’t just pieces of paper—they’re essential legal tools. Without one, you could lose your rights to retirement funds. At PeacockQDROs, we’ve helped thousands of clients through the entire QDRO process, from the drafting phase through plan submission and administrator follow-ups. That full-service approach is what sets us apart.
Whether you’re the participant or the alternate payee, here’s what you need to know about dividing a retirement plan like the Key Collision 401(k) Plan in divorce.
Plan-Specific Details for the Key Collision 401(k) Plan
Understanding the specifics of the plan involved in your divorce is crucial to drafting an accurate and enforceable QDRO. Here’s what we know about the Key Collision 401(k) Plan so far:
- Plan Name: Key Collision 401(k) Plan
- Sponsor: A.r.t. management, LLC
- Plan Type: 401(k)
- EIN: Unknown (required for submission—will need to be confirmed)
- Plan Number: Unknown (also needed on the QDRO)
- Industry: General Business
- Organization Type: Business Entity
- Participants: Unknown
- Plan Year: Unknown to Unknown
- Effective Date: Unknown
- Status: Active
- Assets: Unknown
The plan appears to be currently active and associated with a general business employer. Details like the plan number and EIN will be needed to finalize the QDRO, so those must be confirmed either through the plan administrator or participant account statements.
What Is a QDRO and Why It Matters
A QDRO is a court order that allows retirement plan administrators to divide a retirement account legally between divorcing spouses without triggering early withdrawal penalties or taxes. For a plan like the Key Collision 401(k) Plan, the QDRO instructs the administrator how to allocate the appropriate share to the non-employee spouse, called the “alternate payee.”
Without a QDRO, even if your divorce agreement says you’re entitled to part of your spouse’s retirement account, the plan administrator can’t legally divide it. That’s why every detail, from loan balances to vesting, matters when preparing the QDRO.
Key Issues to Consider for the Key Collision 401(k) Plan
Employee vs. Employer Contributions
401(k) plans typically include both employee deferrals and employer contributions like matching or profit sharing. A well-drafted QDRO for the Key Collision 401(k) Plan should clearly state whether division covers just employee contributions or includes employer-funded dollars too.
Vesting and Forfeitures
Employer contributions in 401(k) plans often come with a vesting schedule. If the participant isn’t fully vested at the time of separation, some employer contributions may not be divisible. It’s important to identify what was vested as of the date marriage ended (or another relevant valuation date), and exclude unvested amounts.
If vesting increases or additional employer contributions are made after the divorce, those post-divorce amounts are usually not divisible unless specifically stated otherwise in the QDRO.
Loan Balances
If the participant took out a loan from their Key Collision 401(k) Plan, this will reduce the account’s total value available for division. QDROs must decide whether the division is calculated before or after subtracting the loan. Ignoring this can cause a major imbalance in the shares each party receives.
Roth vs. Traditional 401(k) Funds
Many 401(k) plans include both traditional (pre-tax) and Roth (after-tax) contributions. Each type of account has different tax consequences. A good QDRO should address whether the division applies proportionally across both account types or targets just one.
Splitting only the traditional side or including Roth balances might affect the alternate payee’s future tax liability, so choosing the correct method is essential.
Drafting a QDRO for the Key Collision 401(k) Plan
Obtain Required Data
Before drafting, you’ll need:
- The exact plan name: Key Collision 401(k) Plan
- Name of the sponsoring employer: A.r.t. management, LLC
- EIN and Plan Number (must be obtained from the participant or administrator)
- Participant’s latest plan statement—this helps confirm balances, loan amounts, fund types, and vesting
Language That Matches the Plan’s Terms
Every 401(k) plan is unique in how it administers distributions, valuation dates, and earnings on divided funds. The QDRO for the Key Collision 401(k) Plan must match the plan’s internal language and restrictions. Using generic language from a template site will often lead to rejection or delay.
Pre-Approval (If Applicable)
We recommend pre-submitting the draft QDRO to the plan administrator when possible. Some plans require pre-approval; others offer optional review. Either way, this reduces the odds of the judge signing an order that later gets rejected. At PeacockQDROs, we handle that step for our clients.
The Full QDRO Process—Handled the Right Way
At PeacockQDROs, we don’t just write the QDRO and leave you to figure it out. Our team:
- Drafts the QDRO to match YOUR marital settlement details
- Handles pre-approval with the plan (if required)
- Provides court filing support in your jurisdiction
- Follows up with the plan after final court submission to confirm implementation
This complete service has helped us maintain near-perfect reviews and long-term client satisfaction. We do QDROs the right way, every time.
For more about doing QDROs right, check out Common QDRO Mistakes or learn about how long the process takes.
Documentation and Filing Tips
- Plan Documents: Obtain the summary plan description and current account statements.
- Court Filing: File with your divorce judgment and make sure the judge signs the QDRO before submission.
- Submission: Send the signed QDRO to the plan administrator with all supporting documentation.
We help make sure all this gets done in the right order—with nothing left to chance.
Final Thoughts
The Key Collision 401(k) Plan is governed by complex rules and administered by a business entity—A.r.t. management, LLC—which means your QDRO must be precise. Mistakes in division, fund type identification, or valuation date selection can cost you thousands later.
That’s why working with an experienced QDRO firm matters. At PeacockQDROs, we’ve handled thousands of QDROs from start to finish—and we do it the right way. Don’t leave your future to a generic template.
Need Help? We’re Here.
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 Key Collision 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.