Introduction
Dividing retirement savings during divorce can get complicated—especially when the plan includes both employee contributions and employer profit sharing. If your spouse or you are a participant in the Temporary Housing, Inc.. 401(k) Profit Sharing Plan, a Qualified Domestic Relations Order (QDRO) is the legal tool you need to split the benefits legally and correctly.
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 Temporary Housing, Inc.. 401(k) Profit Sharing Plan
Here’s what’s publicly known about the plan you’re dealing with:
- Plan Name: Temporary Housing, Inc.. 401(k) Profit Sharing Plan
- Sponsor: Temporary housing, Inc.. 401(k) profit sharing plan
- Plan Address: 20430 NORTH 19TH AVENUE, SUITE 275
- Plan Dates Listed: From 1995-01-01 to 2024-12-31
- Industry: General Business
- Organization Type: Corporation
- Status: Active
- Plan Number: Unknown (must be retrieved from plan or sponsor)
- EIN: Unknown (must be requested for the QDRO)
- Participant Count and Assets: Unknown (but generally disclosed on the annual Form 5500)
Because this is a 401(k) profit sharing plan sponsored by a general business corporation, it likely includes a mix of employee deferrals and discretionary employer contributions, possibly subject to a vesting schedule. These details matter when writing the QDRO.
What Is a QDRO and Why You Need One
A Qualified Domestic Relations Order allows you to divide retirement benefits between divorcing spouses without triggering early withdrawal penalties or taxes. Without a QDRO, an ex-spouse has no legal right to any portion of the 401(k), even if court-ordered in the divorce. The QDRO is what makes it enforceable with the plan itself.
Key Features of the Temporary Housing, Inc.. 401(k) Profit Sharing Plan
401(k) Elective Deferrals
Participants might contribute a portion of their pay into the plan during their employment. These are typically 100% vested from day one. This makes them straightforward to divide, as the full balance is subject to division under a QDRO.
Employer Profit Sharing Contributions
Unlike regular 401(k) contributions, employer profit-sharing funds often follow a vesting schedule. If the participant hasn’t met service requirements, part of their non-vested employer funds may be forfeited. This means the alternate payee (ex-spouse) may not be entitled to the full balance that appears at first glance.
When drafting your QDRO, you’ll need to specify whether the order applies only to vested funds or if you want to include certain future vesting rights that may mature post-divorce.
Vesting Schedules Matter
This plan likely includes a graded or cliff vesting schedule for employer contributions. The plan administrator will calculate which funds are dividable based on the participant’s length of service at the time of divorce.
Handling Loan Balances in the QDRO
If the participant took a loan against their 401(k), that loan reduces the available account balance. The QDRO must clarify whether distributions to the alternate payee are calculated before or after subtracting the loan.
- If the alternate payee’s share is taken proportionally from the remaining balance, they avoid being penalized for the participant’s loan.
- Some QDROs allow offsetting the loan against only the participant’s retained share.
We’ve seen disputes arise when this isn’t clearly defined. At PeacockQDROs, we draft clear language to avoid post-divorce litigation.
Roth vs. Traditional Account Types
Many 401(k) plans offer both traditional (pre-tax) and Roth (after-tax) accounts. Roth accounts cannot be merged with traditional accounts under IRS rules. The QDRO must distinguish how much of each type the alternate payee will receive.
If this plan includes Roth contributions, the QDRO must specifically allocate the Roth balance to avoid tax reporting mistakes. A generic percentage split won’t cut it—you’ll need to break down the source of funds for proper processing.
Common QDRO Mistakes with 401(k) Plans
QDROs for 401(k) plans like the Temporary Housing, Inc.. 401(k) Profit Sharing Plan need to be precise. Common problems we see include:
- Leaving out the plan number or EIN
- Naming the wrong plan or sponsor
- Failing to distinguish between pre-tax and Roth contributions
- Not addressing loan offsets
- Ignoring vesting status of employer contributions
We cover more of these issues here: Common QDRO Mistakes.
Plan Administrator Submission
Once your QDRO is drafted and signed by the judge, it doesn’t become final until it’s submitted and approved by the plan administrator. Some administrators—especially for corporate plans like Temporary housing, Inc.. 401(k) profit sharing plan—require pre-approval. Others may require specific formatting or parceling of Roth vs. traditional balances.
Our team works directly with the plan administrator from start to finish to expedite this process and avoid rejections. That follow-through is what sets PeacockQDROs apart.
Learn more about how long this process can take: QDRO Timeline Factors
Documentation You’ll Need
To divide the Temporary Housing, Inc.. 401(k) Profit Sharing Plan, gather these items:
- Final signed divorce decree
- Names, addresses, and dates of birth for both spouses
- Plan name: Temporary Housing, Inc.. 401(k) Profit Sharing Plan
- Employer/plan sponsor: Temporary housing, Inc.. 401(k) profit sharing plan
- Participant’s most recent account statement
- Plan number and EIN (contact the plan or we can obtain if missing)
Why Choose PeacockQDROs
We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. Our approach is full-service: we don’t just draft your QDRO—we see it through from beginning to end. We verify divides per plan rules, file in court, and confirm approval by the plan administrator.
Have a look at our full range of QDRO services: QDRO Services
Final Tips for Dividing 401(k)s in Divorce
- Never assume you’re entitled just because it’s in your divorce decree—without a QDRO, it’s not enforceable
- Always check for expired contributions or unvested portions
- Make sure the plan administrator’s name and contact information are accurate
- Confirm you’ve accounted for Roth vs. traditional splits
Need Help? We’re Ready
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 Temporary Housing, Inc.. 401(k) Profit Sharing 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.