Understanding QDROs and the Bergmann & Moore, LLC 401(k) Retirement Plan
Dividing retirement savings during divorce can be overwhelming, especially when a 401(k) plan is involved. If your or your spouse’s retirement account is tied to the Bergmann & Moore, LLC 401(k) Retirement Plan, you’ll need a Qualified Domestic Relations Order (QDRO) to properly divide those assets without tax penalties. A QDRO is not just a formality—it’s a legally binding court order that directs the plan administrator on how to divide retirement funds between former spouses.
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 Bergmann & Moore, LLC 401(k) Retirement Plan
- Plan Name: Bergmann & Moore, LLC 401(k) Retirement Plan
- Plan Sponsor: Bergmann & moore, LLC 401(k) retirement plan
- Address: 20250512122557NAL0017166225001, 2024-01-01
- Employer Identification Number (EIN): Unknown (must be obtained for QDRO processing)
- Plan Number: Unknown (must also be identified for QDRO completion)
- Industry: General Business
- Organization Type: Business Entity
- Plan Year: Unknown to Unknown
- Effective Date: Unknown
- Status: Active
- Assets: Unknown
- Participants: Unknown
Because this is a 401(k) offered by a private business in the general business sector, certain rules and variations in plan administration may apply. When planning for a QDRO, it’s critical to request the plan’s summary plan description (SPD), statement of account, and most recent plan documents.
Common Issues When Dividing a 401(k): What to Know About This Plan
401(k) plans, unlike pension plans, don’t calculate benefits based on salary and years of service. Instead, the account balance and investment performance matter most. However, there are still plenty of hurdles to consider when preparing a QDRO for the Bergmann & Moore, LLC 401(k) Retirement Plan.
Vesting Schedules
Most employer contributions in 401(k) plans are subject to vesting schedules. This means that an employee may not own all employer matching contributions until they have remained with the company for a certain length of time. If a divorce happens before full vesting, the non-employee spouse is only entitled to the vested portion. QDROs must clearly state whether the award includes only vested balances or non-vested balances as well (subject to eventual vesting).
Loan Balances
If the employee has taken out a loan from the 401(k), it affects the account’s available balance for division. Most plan administrators will subtract the current loan balance to calculate the amount available to divide. A QDRO should clarify how to handle that loan—whether both parties share in the outstanding amount, or if it’s counted against the employee’s share.
Roth vs. Traditional Subaccounts
Many modern 401(k) plans now include both traditional pre-tax and Roth after-tax subaccounts. These must be dealt with separately in the QDRO. Transferring a pre-tax account to a Roth IRA or vice-versa could trigger unexpected tax consequences. QDROs for the Bergmann & Moore, LLC 401(k) Retirement Plan should specify whether funds are to remain within their existing tax classification upon transfer.
Employee vs. Employer Contributions
This plan may include both employee deferrals and employer matching or profit-sharing contributions. Some QDROs divide each separately, while others use the full balance as a whole. It’s important to understand and draft with that categorical breakdown in mind, especially if the parties agree (or disagree) on how much of the match is considered marital property.
Getting the Right Documents to Draft Your QDRO
To draft a QDRO for the Bergmann & Moore, LLC 401(k) Retirement Plan, you’ll need some critical documentation first:
- The Summary Plan Description (SPD)
- A recent account statement showing subaccount and loan info
- The Plan Administrator’s QDRO procedures (if available)
- The plan’s name, sponsor, EIN, and plan number (which may need to be requested if unknown)
If any required detail—like the plan number or EIN—is missing, it must be confirmed with the plan administrator or sourced from the Department of Labor’s Form 5500 database.
Key QDRO Terms for This 401(k) Plan
A QDRO for the Bergmann & Moore, LLC 401(k) Retirement Plan often includes provisions like:
- Valuation date of marital interest (date of separation, divorce filing, etc.)
- How investment gains or losses are allocated post-separation
- Loan treatment (included or excluded from marital portion)
- Direction to maintain tax classification (Roth/traditional)
- Instructions on method of payment (rollover to an IRA, direct transfer, etc.)
Without specific language covering these details, the order could be rejected by the plan, leading to costly delays. Learn more about the most frequent mistakes on our Common QDRO Mistakes page.
QDRO Process Timeline for This Plan
The QDRO process can take several weeks or even months, depending on how quickly the parties act and whether the plan sponsor provides pre-approval services. Go through our timing guide to understand what may delay or speed up your case. The basic steps include:
- Gathering key documents and plan information
- Drafting the QDRO with the right provisions
- Optional pre-approval by the plan administrator (if permitted)
- Court approval and judge’s signature
- Submission to the plan for implementation
We manage each of these steps for you. If the Bergmann & Moore, LLC 401(k) Retirement Plan has a lengthy review process or doesn’t offer preapproval, we build in language to minimize the risk of rejection.
Why Our QDRO Services Are Different
If you’re dividing the Bergmann & Moore, LLC 401(k) Retirement Plan, you want it done right the first time. At PeacockQDROs, we maintain near-perfect reviews and pride ourselves on a track record of doing things the right way. We are not a form-filling service. We are a legal team that sees your case through every phase—from drafting to court approval to delivery of a finalized, accepted QDRO that actually gets implemented by the plan.
Learn more about our QDRO process here or get in touch for a custom quote and timing estimate.
Final Thoughts
The Bergmann & Moore, LLC 401(k) Retirement Plan involves many technical details, including vesting, loan treatment, and tax-type subaccounts. A good QDRO must consider all of them to avoid rejections and protect both parties’ financial futures. With the right information, the right language, and the right team behind you, it’s a smooth and tax-free split.
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 Bergmann & Moore, LLC 401(k) Retirement 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.