Introduction
Dividing retirement assets in divorce can be complex, especially when dealing with employer-sponsored plans like the Tenna LLC 401(k) Plan. A Qualified Domestic Relations Order (QDRO) is the only legal mechanism that allows these plans to pay retirement benefits directly to a former spouse. At PeacockQDROs, we know how critical it is to get this right. We’ve handled thousands of QDROs from start to finish—including drafting, court filing, and follow-up with plan administrators—so you don’t get stuck trying to figure it out alone.
This article explains how to divide the Tenna LLC 401(k) Plan through a QDRO, what makes this process unique, and how to avoid common mistakes.
Plan-Specific Details for the Tenna LLC 401(k) Plan
Before dividing any plan in divorce, it’s important to understand the specifics of the account. Here’s what we know about the Tenna LLC 401(k) Plan:
- Plan Name: Tenna LLC 401(k) Plan
- Sponsor: Tenna LLC 401(k) plan
- Plan Address: 20250814143617NAL0013749088001, 2024-01-01
- Employer Identification Number (EIN): Unknown (required for the QDRO)
- Plan Number: Unknown (also required for the QDRO)
- Industry: General Business
- Organization Type: Business Entity
- Participants: Unknown
- Plan Year: Unknown to Unknown
- Effective Date: Unknown
- Status: Active
- Assets: Unknown
This is a typical 401(k) plan offered by a business entity in the general business industry. Even with many unknown data points, a QDRO can still be completed if the right steps are taken and plan-specific language is included.
What Is a QDRO and Why Do You Need It?
A QDRO (Qualified Domestic Relations Order) is a court order that gives a spouse or former spouse (called the “alternate payee”) the right to receive a portion of the retirement benefits earned by the plan participant during the marriage. Without a QDRO, the plan cannot pay benefits to anyone other than the participant.
For the Tenna LLC 401(k) Plan, if you’re trying to divide assets after a divorce, a proper QDRO is the only way to do it legally and tax-free. The QDRO tells the plan how much to transfer, when, and to whom, without triggering early withdrawal penalties or taxes at the time of division.
Dividing Contributions in the Tenna LLC 401(k) Plan
Employee Contributions
These are usually fully vested immediately and are the simplest portion to divide. A typical QDRO will award the alternate payee a percentage or a flat dollar amount of the participant’s contributions (plus gains/losses) from the date of marriage to the date of separation or divorce.
Employer Contributions and Vesting Schedules
Employer contributions are often subject to vesting schedules in 401(k) plans like the Tenna LLC 401(k) Plan. If the participant hasn’t worked at Tenna LLC long enough, some of the employer match may not be fully vested. A QDRO can only divide the vested portion.
If an employee has unvested employer contributions, those won’t be included in the division. Once drafted, the order must reflect what portion was vested as of the division date to avoid delays or denials during plan review.
Loan Balances in the Tenna LLC 401(k) Plan
If the participant has taken a loan from the 401(k), there’s a critical decision to make: should the loan be included or excluded from the account value for division purposes?
- Include the loan: Increases the total value considered for division, but the alternate payee won’t receive any portion of the actual loan.
- Exclude the loan: Reduces the total value used to split the account, fairer if the loan was used for the participant’s benefit alone (e.g., post-separation expenses).
This must be clear in the QDRO and preferably agreed on in the divorce settlement before drafting starts.
Handling Roth vs. Traditional 401(k) Funds
401(k) plans can include both pre-tax (traditional) and post-tax (Roth) contributions. The Tenna LLC 401(k) Plan may allow both types of savings, and they need to be handled differently in the QDRO.
The IRS requires these account types to be split and recorded separately. That means the QDRO must specify how much of the awarded share is from traditional funds and how much is from Roth funds. This matters for taxes, as Roth funds are usually not taxed on withdrawal, while traditional funds are.
If this separation isn’t spelled out clearly in the QDRO, the plan may reject it—and you’ll be back to the drawing board.
Common Mistakes to Avoid with the Tenna LLC 401(k) Plan
When dealing with 401(k) divisions, we see the same errors again and again. Here are some issues specific to the Tenna LLC 401(k) Plan to avoid:
- Failing to ask for the plan’s Summary Plan Description (SPD), which outlines key plan rules
- Assuming all contributions are fully vested
- Not specifying treatment of loan balances
- Leaving out Roth vs. traditional division language
- Using incorrect plan name or numbers—“Tenna LLC 401(k) Plan” must be used exactly
Learn more about the most frequent pitfalls in our guide: Common QDRO Mistakes.
Required Documentation for QDRO Submission
To submit a valid QDRO for the Tenna LLC 401(k) Plan, you’ll need:
- The exact legal plan name: Tenna LLC 401(k) Plan
- The plan number and sponsor EIN (currently unknown—must be confirmed during the process)
- Copy of divorce judgment or marital settlement agreement that calls for retirement division
- Current account statement and breakdown of Roth vs. traditional balances
Why Choose PeacockQDROs for the Tenna LLC 401(k) Plan
At PeacockQDROs, we’ve completed thousands of QDROs, and we don’t just write the document—we manage the entire process:
- We draft and structure the order correctly for plan approval
- We handle preapproval submission (if the Tenna LLC 401(k) Plan allows it)
- We file it with the court
- We send it to the plan administrator and follow up until it’s implemented
Explore our QDRO services or contact us directly for help with your specific situation. We maintain near-perfect reviews and pride ourselves on doing things the right way—from start to finish.
Want to know how long it usually takes? Read our breakdown of QDRO timing factors here.
Conclusion
Dividing the Tenna LLC 401(k) Plan in a divorce takes precision and careful planning. Between loan balances, unvested funds, Roth accounts, and required paperwork, there are a lot of moving parts. Whether you’re the participant or the alternate payee, getting the QDRO done right the first time avoids delays—and protects your share.
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 Tenna LLC 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.