Understanding the Division of the Ses Americom Retirement and Savings Plan in Divorce
Dividing retirement assets can be one of the most complicated aspects of divorce, especially when it involves a 401(k) plan. If your or your spouse’s retirement savings are held in the Ses Americom Retirement and Savings Plan, knowing the right steps to take is essential. These plans have unique components—like varying vesting schedules, loan balances, and even Roth sub-accounts—that must be addressed clearly and correctly in a Qualified Domestic Relations Order (QDRO).
At PeacockQDROs, we’ve completed thousands of QDROs from beginning to end. We don’t just draft documents—we handle everything from preapproval (if the plan allows it), court filing, submission to the administrator, and follow-up. That’s what sets us apart from firms that simply prepare paperwork and leave you to figure out the rest. And yes, we’ve seen cases involving the Ses Americom Retirement and Savings Plan.
Plan-Specific Details for the Ses Americom Retirement and Savings Plan
- Plan Name: Ses Americom Retirement and Savings Plan
- Sponsor: Ses americom Inc.
- Address: 4 RESEARCH WAY, 20250721155910NAL0004326930001
- Plan Effective Dates: 2001-11-12 through 2024-12-31
- Plan Type: 401(k)
- Industry: General Business
- Organization Type: Corporation
- Status: Active
- EIN: Unknown (will be required to process your QDRO)
- Plan Number: Unknown (will also be required)
Because this plan is sponsored by a corporate entity in the general business sector, it likely includes both traditional and Roth account components, potential profit-sharing contributions, and standard 401(k) employee and employer contributions, all subject to QDRO rules.
What You Need to Know About QDROs and the Ses Americom Retirement and Savings Plan
Why Use a QDRO?
A Qualified Domestic Relations Order allows a retirement plan to legally split benefits between the plan participant (employee) and their former spouse (alternate payee). Without a QDRO, even if your divorce judgment awards part of this retirement asset, the plan administrator cannot legally divide or disburse it.
Important: Unknown EIN and Plan Number
While the divorce order or QDRO document does not require the full plan address, missing the EIN or Plan Number can delay processing. If you or your attorney doesn’t have this information, one of the first steps should be contacting the HR department of Ses americom Inc. or reviewing the participant’s plan statement. At PeacockQDROs, we assist clients in gathering missing plan info quickly and accurately.
Key Factors When Dividing a 401(k) Plan Like the Ses Americom Retirement and Savings Plan
1. Employee and Employer Contributions
The Ses Americom Retirement and Savings Plan likely includes employee contributions (pre-tax or Roth) and employer matching contributions. Your QDRO needs to be clear about how much of each source is to be divided. You can choose:
- A flat percentage of the account balance as of a specific date
- A dollar amount from specific types of funds (e.g., only pre-tax funds)
2. Vesting Schedules
Employer contributions may be subject to vesting. That means if the employee hasn’t worked at Ses americom Inc. long enough, not all employer funds are considered “earned” and available to split. A well-prepared QDRO will clarify whether unvested amounts should be excluded or tracked until they vest.
3. Loan Balances and Repayment
If there are outstanding loans against the participant’s 401(k), this can significantly affect the amount available for division. You’ll need to decide whether the loan amount is to be:
- Excluded from division entirely (assigned only to the participant)
- Included in the balance being divided, which increases the alternate payee’s share
We’ve seen too many cases where ignoring loan balances leads to confusion—or worse, rejection by the plan administrator. Don’t skip this step.
4. Roth vs. Traditional 401(k) Funds
Many newer employer plans, including those in general business corporations like Ses americom Inc., now include both Roth and traditional accounts. A QDRO must specify whether distributions come from Roth, traditional funds, or on a pro-rata basis. Each type has different tax consequences for the alternate payee.
Make sure your lawyer understands the importance of citing each account type properly. And if they don’t? That’s why clients choose PeacockQDROs—we get these details right the first time.
How the QDRO Process Works with the Ses Americom Retirement and Savings Plan
Step 1: Drafting the QDRO
We prepare a QDRO tailored to the formatting and requirements of the Ses Americom Retirement and Savings Plan. Because this is a 401(k) plan with potential sub-accounts and vesting issues, our QDROs spell out clear instructions on division to prevent delays.
Step 2: Preapproval (If Allowed)
Some plans allow for a preapproval process before the court signs the order. This can save time by ensuring the language matches plan administrator expectations. If the Ses Americom Retirement and Savings Plan allows this, we handle it for you—no guesswork.
Step 3: Court Filing
Once the QDRO is complete, we file it with the court to make it a valid domestic relations order. PeacockQDROs handles this step in jurisdictions we’re active in or provides you with step-by-step instructions if you’re filing yourself.
Step 4: Submission to the Plan Administrator
After court approval, the QDRO is submitted to the plan administrator for implementation. This is often where non-specialized firms drop the ball. We follow up and monitor the process to ensure your order is accepted and processed correctly.
Common Mistakes in 401(k) QDROs
401(k) plans have nuances that make mistakes all too common. Don’t let avoidable errors jeopardize your outcome. Check out our list of common QDRO mistakes.
- Wrong or missing plan name (it must be “Ses Americom Retirement and Savings Plan”)
- Failure to address loan balances
- Ignoring vesting schedules
- Split instructions that don’t match the plan’s capabilities
How Long Will All This Take?
Timing varies by court and by plan. There are 5 key factors that determine the QDRO timeline. Learn about them here.
Why Trusted QDRO Help Matters
At PeacockQDROs, we don’t just draft QDROs. We see them through—from start to finish. We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. Whether your case involves Roth accounts, plan loans, or missing plan details, we help you handle it all.
Learn more about our full-service process at PeacockQDROs.
Final Thoughts
Dividing the Ses Americom Retirement and Savings Plan requires more than just a standard form—it requires careful attention to the plan’s features and the right language in your QDRO. From court orders to loan balancing and tax types, the details matter.
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 Ses Americom Retirement and Savings 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.