Understanding QDROs for the Sante Center for Healing 401(k) Plan
If you or your spouse is a participant in the Sante Center for Healing 401(k) Plan offered by Diamond mountain centers, LLC dba sante center for healing and you’re going through a divorce, you’ll likely need a Qualified Domestic Relations Order (QDRO). A QDRO makes it possible to divide retirement assets legally and without early withdrawal penalties. But not all QDROs are created equal—and when it comes to 401(k) plans, especially ones with loans, matching contributions, and different vesting rules, things can get complicated fast.
At PeacockQDROs, we’ve handled thousands of QDROs from beginning to end—not just drafting, but following through with plan approval, court filing, and administrator submission. Our approach avoids common mistakes and delays that drag out asset division for divorced couples. Let’s walk through what you need to know about dividing the Sante Center for Healing 401(k) Plan in divorce.
Plan-Specific Details for the Sante Center for Healing 401(k) Plan
- Plan Name: Sante Center for Healing 401(k) Plan
- Plan Sponsor: Diamond mountain centers, LLC dba sante center for healing
- Address: 20250422124802NAL0002816275001, 2024-01-01
- Employer Identification Number (EIN): Unknown (Required for QDRO processing)
- Plan Number: Unknown (Also required for QDRO processing)
- Industry: General Business
- Organization Type: Business Entity
- Plan Year, Participants, Assets: Unknown
- Status: Active
When preparing a QDRO, having the plan number and EIN is vital. These details are required by plan administrators to verify the order applies to the correct retirement plan. If these are not available from the divorce documents, your attorney or QDRO expert must request them from the plan administrator.
Common QDRO Questions for 401(k) Plans Like This One
Dividing a 401(k) plan in divorce isn’t as simple as splitting a checking account. Here are some of the most critical elements you’ll need to consider when dealing with the Sante Center for Healing 401(k) Plan.
1. How Are Contributions Divided?
In a 401(k) plan, employee and employer contributions are treated separately. Employee contributions (what the worker puts in from their paycheck) are typically 100% vested immediately. But employer contributions—such as company match—usually follow a vesting schedule. That means the participant might not have “earned” all of that money yet.
If the participant hasn’t been with Diamond mountain centers, LLC dba sante center for healing long enough to be fully vested, unvested contributions could be forfeited and will not be divided under the QDRO. That’s why timing matters.
2. What Happens If There’s a Loan on the Account?
401(k) plans often allow participants to take loans against their balances. If the Sante Center for Healing 401(k) Plan participant borrowed from their account, the QDRO will need to specifically state whether:
- The loan balance should reduce the marital portion of the account
- The loan is the sole responsibility of the participant
- The alternate payee (usually the ex-spouse) takes a share of the remaining balance after subtracting the loan
Be careful here. Incorrect loan treatment is one of the most common QDRO drafting mistakes. We walk through more of those in our QDRO mistakes guide.
3. Are There Roth and Traditional 401(k) Assets?
The Sante Center for Healing 401(k) Plan may include both traditional (pre-tax) and Roth (after-tax) contributions. These two types of accounts are taxed differently, and your QDRO should instruct the administrator to divide them proportionally (or specifically) to avoid IRS issues.
Your QDRO should clearly direct the plan administrator if any Roth contributions exist. Failure to distinguish Roth from traditional 401(k) funds can result in tax problems for the alternate payee later down the line.
How the QDRO Process Works for This Employer
Since this is a plan sponsored by a business entity in the general business sector, there may not be a formal pre-approval process through the plan. Some employers have more informal QDRO review procedures. Others follow strict templates. That’s why experience with different plan administrators makes a huge difference.
5-Step Approach We Use for Plans Like This One
At PeacockQDROs, we don’t just draft the QDRO and send you on your way. Here’s how we handle QDROs for plans like the Sante Center for Healing 401(k) Plan from start to finish:
- Gather and verify plan details, including EIN and plan number
- Draft the QDRO based on your divorce judgment parameters
- Seek pre-approval from the plan administrator if available
- File the QDRO with the court, including follow-up notarized signatures if necessary
- Submit to the plan administrator for final approval and implementation
Because this plan’s administrator information is not readily available, we handle those direct inquiries to ensure the QDRO complies with internal plan procedures. For a breakdown of how long it takes, we recommend reviewing our post on how long it really takes to get a QDRO done.
Why Details Matter: Employer Vesting and Divorce Timing
With the Sante Center for Healing 401(k) Plan, vesting is a big deal. If a spouse is trying to claim employer matches, you must determine whether the participant actually earned those funds as of the date of division (which is often the date of separation or divorce judgment).
If the participant is only partially vested, the alternate payee can only receive a share of the vested portion. This distinction is critical and can make a big impact on the actual dollar amount transferred.
Avoiding Mistakes With Plans Like This One
One of the most common QDRO mistakes is assuming that a 401(k) plan will divide any percentage you write in. But if the amount’s not available—for example, due to unvested contributions or an outstanding loan—the intended division won’t happen as expected.
To avoid these issues, we make sure your QDRO includes:
- Clear direction on how to divide contributions before and after certain dates
- Loan treatment based on your court judgment and financial fairness
- Roth vs. traditional account tracking if applicable
- A clause for forfeited benefits (such as unvested employer contributions)
Why Choose PeacockQDROs
Other firms might draft a QDRO and leave the rest to you—but that’s where most QDROs get delayed or rejected. At PeacockQDROs, we’ve completed thousands of QDROs from start to finish. That means we don’t just draft the document—we file it with the court, send it to the plan for review, and follow up until implementation.
We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. Whether you’re dividing the Sante Center for Healing 401(k) Plan or any other employer-sponsored retirement plan, we know how to protect your rights and get the job done.
Final Tips When Dividing This Plan
- If you’re unsure whether the plan includes Roth assets, review plan statements or request details from the sponsor.
- Ask about the loan balance and repayment terms before drafting the QDRO.
- Make sure the QDRO sets a clear “division date” such as date of separation or date of divorce—this impacts valuation.
- Don’t assume the employer will share unvested contributions after separation—verify the participant’s vesting schedule.
Have Questions? We’re Here to Help
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 Sante Center for Healing 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.