Understanding QDRO Division for the 20250617103322nal0004011426001
Dividing retirement assets during a divorce can be one of the most complex steps in finalizing a settlement. If you or your spouse have a 401(k) plan with Bedrock quartz surfaces, LLC—the official sponsor of the 20250617103322nal0004011426001—then a Qualified Domestic Relations Order (QDRO) is the tool you’ll need to make sure the division is done correctly and in compliance with federal law.
Not all QDROs are created equal. When dealing with a plan like the 20250617103322nal0004011426001, which may include things like unvested employer contributions, loans, and Roth subaccounts, detailed planning is essential. At PeacockQDROs, we’ve seen how mistakes—like failing to properly account for loan balances or forgetting to address vesting—can cause serious delays or even financial loss. That’s why it’s important to get it done right the first time.
Plan-Specific Details for the 20250617103322nal0004011426001
This 401(k) retirement plan is sponsored by Bedrock quartz surfaces, LLC, a general business entity. While some key details—such as participant count, plan year, effective date, assets, EIN, and plan number—are currently unknown, this plan remains active as of January 1, 2024.
- Plan Name: 20250617103322nal0004011426001
- Sponsor: Bedrock quartz surfaces, LLC
- Address: 20250617103322NAL0004011426001, 2024-01-01
- EIN: Unknown (must be requested for QDRO processing)
- Plan Number: Unknown (must be verified before submission)
- Industry: General Business
- Organization Type: Business Entity
- Status: Active
Any QDRO prepared for this plan must list the correct Plan Name, EIN, and Plan Number, so if those are unknown, they must be obtained through discovery, subpoena, or directly from the Plan Administrator before a QDRO can be finalized.
QDRO Basics for the Bedrock quartz surfaces, LLC 401(k)
In a divorce, a QDRO is a legal order that allows the retirement plan administrator to pay a portion of a participant’s account to a former spouse (also known as the “alternate payee”) without triggering early withdrawal penalties or taxes. When working with the 20250617103322nal0004011426001, understanding its structure as a 401(k) plan is key.
401(k) Plan-Specific Considerations
The 20250617103322nal0004011426001 is a defined contribution plan, which means the account value is tied directly to the money contributed and investment performance—not to years of service or age like a pension. Here are common issues to watch for:
- Employee vs. Employer Contributions: Employee contributions are always 100% vested. Employer contributions may be subject to a vesting schedule. The QDRO should specify if the alternate payee is entitled to only the vested portion or to some or all of the potentially unvested funds.
- Loan Balances: If the participant has an outstanding loan, the QDRO can treat that balance a few ways: (1) assign a portion of the net balance; (2) assign based on the gross balance; or (3) exclude the loan altogether. Each option leads to a different division outcome. Make sure to address this up front.
- Roth vs. Traditional Accounts: The plan may contain both Roth and traditional sources. These are taxed differently, so the QDRO must state how to allocate each portion. If not, distribution delays or incorrect taxation can occur.
Drafting a QDRO for the 20250617103322nal0004011426001
Accurate Data Collection
Before drafting your QDRO, gather complete information about the account. This includes:
- Account statement showing all sources (Roth, pre-tax, employer match)
- Loan documentation, if any
- Vesting schedule showing which employer contributions are nonforfeitable
- Plan Summary Document or SPD if available
- Plan contact information to inquire about preapproval procedures
Common Errors That Delay QDRO Approval
We’ve worked on thousands of QDROs at PeacockQDROs, and we’ve seen the same mistakes cause significant delays or rejections:
- Failing to differentiate Roth from traditional contributions
- Omitting how to treat loan balances
- Using incorrect plan name or missing EIN/plan number
- Assigning non-vested funds without addressing the plan’s forfeiture policy
To avoid these pitfalls, check out our list of common QDRO mistakes.
Timing, Court Filing, and Administrator Submission
The QDRO timeline depends on several factors. On average, it can take anywhere from 45 to 120 days, depending on plan procedures, court backlog, and document quality. Learn more about what influences this process in our article on the five factors that determine how long it takes to get a QDRO done.
At PeacockQDROs, we don’t stop at the draft. Our full-service process includes:
- Initial intake and document review
- Plan administrator pre-approval (if applicable)
- Court filing through the correct jurisdiction
- Official submission to the plan
- Final confirmation from the Plan Administrator
Working with us means you’re not left figuring it all out alone. Here’s how we do QDROs differently.
Special Handling of Employer Contributions and Vesting
If the 20250617103322nal0004011426001 contains employer match contributions that are subject to vesting, make sure your QDRO addresses whether:
- The alternate payee is awarded only the vested portion as of the division date
- Any future vesting is included or denied
- Forfeited balances revert to the plan or awarded to the participant
These choices must be made clearly in your order. If they’re left out, the administrator may apply their own default rules—which may not protect one party’s interest.
Taxes and Roth Contributions
Roth 401(k) dollars are after-tax, while pre-tax dollars are taxed at distribution. This matters for the alternate payee. Your QDRO should indicate how Roth and traditional amounts are being divided—by exact amount, percentage, or proportionally based on the account mix.
Failure to specify this could cause an accidental change in the tax profile of the award. Roth money might be treated as traditional, erasing the tax benefit. This is a key issue in plans like the 20250617103322nal0004011426001 that may allow both types of deferrals.
Why Use PeacockQDROs for the 20250617103322nal0004011426001
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.
We maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. Whether you’re dealing with missing plan documents, unvested employer contributions, or a participant loan, our team knows how to deal with the real-world complexities of plans like the 20250617103322nal0004011426001.
Next Steps
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 20250617103322nal0004011426001, 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.