Dividing the Service Trucks International, Inc.. 401(k) Plan in Divorce
Dividing retirement assets during divorce is a regular part of the property settlement process—but it’s not always simple. If you or your spouse participates in the Service Trucks International, Inc.. 401(k) Plan, you’ll likely need a Qualified Domestic Relations Order (QDRO) to divide those retirement benefits legally and effectively. Without one, the plan administrator cannot make distributions to an ex-spouse or former partner.
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.
This article explains how QDROs work specifically for the Service Trucks International, Inc.. 401(k) Plan, what to watch out for, and how to make sure your rights under this plan are protected during divorce.
Plan-Specific Details for the Service Trucks International, Inc.. 401(k) Plan
Here’s what we know about the plan:
- Plan Name: Service Trucks International, Inc.. 401(k) Plan
- Sponsor: Service trucks international, Inc.. 401(k) plan
- Address: 20250625104325NAL0011386080001, 2024-01-01
- Plan Type: 401(k)
- Industry: General Business
- Organization Type: Corporation
- Status: Active
- Effective Date: Unknown
- Plan Year: Unknown to Unknown
- EIN: Unknown (required in QDRO documentation)
- Plan Number: Unknown (required in QDRO documentation)
- Participants: Unknown
- Assets: Unknown
Even though participant data and plan identifiers like EIN and Plan Number are not publicly available, these must be identified during QDRO processing. We help you track down these administrative requirements when preparing the QDRO.
Understanding QDROs and 401(k) Plans
What a QDRO Does
A Qualified Domestic Relations Order allows for the legal division of a retirement account (like a 401(k)) between divorcing spouses without triggering the early withdrawal penalty or taxation at the time of transfer to the alternate payee. The alternate payee—usually the non-participant spouse—can roll the division over into their own retirement account or take a distribution, subject to certain tax rules.
Why You Need a QDRO for the Service Trucks International, Inc.. 401(k) Plan
A divorce decree is not enough. The plan administrator for the Service Trucks International, Inc.. 401(k) Plan can only act on a court-approved QDRO. If you attempt to divide the account without one, the request will be denied, and it may delay settlement or result in penalties.
Key Issues When Dividing the Service Trucks International, Inc.. 401(k) Plan
Employee vs. Employer Contributions
In most 401(k) plans, the participant makes elective contributions from their wages, while the company makes matching or profit-sharing contributions. The order can divide the total account balance, just employee contributions, or just vested contributions. You’ll need to decide whether to split the account based on the total balance or just a portion.
Employer contributions are subject to vesting schedules, which we’ll cover below.
Vesting Schedules and Forfeiture Clauses
If your spouse hasn’t worked long enough at Service trucks international, Inc.. 401(k) plan, some portion of their employer match might not be vested. That means the plan participant could lose the unvested balance if they leave employment. The QDRO will typically only divide the vested percentage of employer contributions—unless the parties agree otherwise. If the QDRO mistakenly orders the division of unvested funds, the alternate payee may receive less than expected.
We recommend working with someone familiar with the nuances of these plans and the importance of clear, enforceable language in your QDRO.
Loan Balances
If the participant has borrowed against their 401(k), the account value will be reduced. The QDRO needs to specify whether the division is before or after any outstanding loan is considered. This can dramatically affect the alternate payee’s portion.
- Pre-loan division: Account is divided based on full value before subtracting loan balance.
- Post-loan division: Division is based on net value after the loan is deducted.
Be sure your attorney understands how loans affect the valuation date and division percentage.
Traditional vs. Roth Contributions
Some participants have both pre-tax (traditional) and after-tax (Roth) 401(k) contributions. These must be separately addressed in the QDRO. Dividing these account types incorrectly can lead to serious tax problems for the alternate payee or rejection of the order by the plan administrator.
At PeacockQDROs, we ensure clear separation and labeling of Roth and traditional asset types in the QDRO language to minimize any issues with the plan administrator.
Drafting and Filing the QDRO
Steps in the Process
- Gather plan documents, including summary plan description
- Determine the marital portion of the account
- Decide valuation date and treatment of loans and vesting
- Draft the QDRO with proper legal language
- Submit to plan administrator for preapproval (if accepted)
- Get the QDRO signed by the judge and officially filed
- Send certified copy to the plan for final processing
Every step matters. Getting any part of this wrong can lead to delay, denial, or dispute. See our resource on Common QDRO Mistakes to learn how to avoid costly setbacks.
How Long Will it Take?
The timeline varies based on court speed, plan administrator response times, and whether preapproval is required. On average, a properly managed QDRO takes about 60–90 days from start to finish.
But every case is different. See our guide to 5 Factors That Determine How Long It Takes to Get a QDRO Done for more specific insights.
Partnering with PeacockQDROs
The QDRO process doesn’t have to be stressful if you have the right support. At PeacockQDROs, we handle all aspects of the division so you don’t have to worry about whether the court order will be rejected or the transfer delayed.
We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. Whether you’re the participant or the alternate payee, we draft for fairness and clarity, and we’re with you through the full process—from valuation date determination to confirmation from the administrator.
Learn more about our services here: QDRO Services Overview
Final Thoughts
Whether you’re just beginning your divorce, or already divided assets in your agreement, don’t let the Service Trucks International, Inc.. 401(k) Plan delay your process. With loans, vesting, and multiple account types potentially in play, you need a QDRO that clearly covers all the technical aspects. You also need to make sure it meets the plan’s requirements so benefits can be distributed without delay.
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 Service Trucks International, Inc.. 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.