Understanding QDROs for the Colliers Arkansas, Inc.. Dba Colliers International 401(k) Profit Sharing Plan
Dividing retirement assets in a divorce can be confusing—especially when a 401(k) plan like the Colliers Arkansas, Inc.. Dba Colliers International 401(k) Profit Sharing Plan is involved. You can’t just write a percentage into your divorce decree and expect the plan administrator to split it. You’ll need a Qualified Domestic Relations Order (QDRO), which is a legal document that directs the retirement plan to divide benefits between the employee (the “participant”) and their former spouse (the “alternate payee”). If done incorrectly, you could lose out on benefits or pay unnecessary taxes or penalties.
This guide is specifically for divorcing couples dealing with the Colliers Arkansas, Inc.. Dba Colliers International 401(k) Profit Sharing Plan, and it covers everything from vesting rules and Roth accounts to how loans and employer contributions come into play.
Plan-Specific Details for the Colliers Arkansas, Inc.. Dba Colliers International 401(k) Profit Sharing Plan
- Plan Name: Colliers Arkansas, Inc.. Dba Colliers International 401(k) Profit Sharing Plan
- Plan Sponsor: Colliers arkansas, Inc.. dba colliers international 401(k) profit sharing plan
- Plan Address: 20250721113212NAL0003560322001, effective as of 2024-01-01
- EIN: Unknown (required for QDRO submission—can be obtained from plan administrator)
- Plan Number: Unknown (also required—must be confirmed with plan sponsor)
- Industry: General Business
- Organization Type: Corporation
- Participants: Unknown
- Plan Year: Unknown to Unknown
- Status: Active
- Assets: Unknown
This is a typical corporate-sponsored 401(k) profit sharing plan designed to help employees build retirement savings with possible matching or profit-sharing contributions by the employer. While participant and plan-specific data are unknown here, most QDROs can still be drafted with the cooperation of the plan administrator and accurate discovery during divorce proceedings.
Important QDRO Considerations for This Plan
Division of Employee and Employer Contributions
When splitting a 401(k) in divorce, both employee and employer contributions may be divided—but there’s a catch. While all employee contributions are generally 100% vested, employer contributions are often subject to a vesting schedule. That means the ex-spouse may not be entitled to the full account value unless vesting is complete at the time the QDRO is processed.
For the Colliers Arkansas, Inc.. Dba Colliers International 401(k) Profit Sharing Plan, you’ll want to confirm with plan documents whether there’s a graduated or cliff vesting schedule in place. Your QDRO should clearly define whether the alternate payee receives:
- Only the vested portion as of the date of division
- Or a set dollar amount or loan-adjusted balance
How Loan Balances Are Handled
401(k) loans are another complication. If the participant has an outstanding loan at the time of division, it may significantly impact the account value. Some QDROs treat the loan as part of the divisible balance; others exclude it, especially if the loan was used for non-marital purposes.
For this specific plan, details on loan handling are not publicly available, so it’s critical to request a loan statement and plan summary from the sponsor, Colliers arkansas, Inc.. dba colliers international 401(k) profit sharing plan, before finalizing division terms.
Roth vs. Traditional 401(k) Contributions
If the plan includes a Roth 401(k) component (which many modern 401(k)s do), your QDRO must preserve the tax character of the accounts. That means any Roth portion should stay Roth and traditional (pre-tax) contributions should stay traditional in the division.
This can cause confusion if you say “50% of the account”—because that raises the question: 50% of what? Just the total value? Or 50% proportionally from each subaccount (Roth and traditional)? Be specific. Your QDRO needs this clarity, or the plan administrator may reject it or make assumptions that cost the alternate payee in taxes.
Vesting Schedules and Forfeitures: What Divorcees Need to Know
401(k) plans like the Colliers Arkansas, Inc.. Dba Colliers International 401(k) Profit Sharing Plan often include employer contributions that vest over time. That means the participant earns a non-forfeitable right to the employer-provided money after a certain number of years.
If you’re drafting a QDRO during divorce, you must understand whether the alternate payee is receiving a share:
- Of only vested funds
- Or a share that also includes unvested balances subject to eventual forfeiture
If you give the alternate payee a percentage of the total account—including unvested funds—and later that unvested portion is forfeited because the participant leaves their job, the alternate payee’s benefit decreases. Always ask for a current vesting disclosure as part of your pre-QDRO information gathering.
What You’ll Need to Complete a QDRO for This 401(k) Plan
Get the Plan Number and EIN
While both are currently listed as “Unknown” in plan listings, they are required fields in any QDRO. Don’t guess. Contact the plan administrator for:
- The plan number (usually a 3-digit number like 001)
- The employer’s assigned EIN (Employer Identification Number)
Request Plan Documents
You will also want a copy of the plan summary description (SPD) or QDRO guidelines for the Colliers Arkansas, Inc.. Dba Colliers International 401(k) Profit Sharing Plan. These will spell out important submission rules, pre-approval options, and deadlines.
Consider Preapproval (If Offered)
Some plans offer QDRO preapproval—a step where they review your draft before it goes to court. It can save months of back-and-forth later, especially with large corporations like Colliers arkansas, Inc.. dba colliers international 401(k) profit sharing plan. Check what the plan allows and follow any formatting or mailing requirements.
Why QDROs Get Rejected and How to Avoid It
The most common reasons QDROs are denied for 401(k) plans include:
- Failure to specify account segment (Roth vs. Traditional)
- Not accounting for loan balances
- Missing EIN or Plan Number
- Undefined treatment of unvested funds
- Using vague or generic language like “50% of the account”
We’ve written about this in detail on our blog here: Common QDRO Mistakes
How Long Does a QDRO Take?
You’re probably wondering how fast you can get all this done. It depends on a few key factors outlined here: 5 factors that determine how long a QDRO takes.
But here’s the good news: 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 (when available), 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. You can read more about what we do—and what makes a good QDRO—here: PeacockQDROs QDRO Services.
Final Thoughts
If you’re involved in a divorce and need to divide a 401(k) account through a QDRO, don’t assume a generic agreement will work. Plans like the Colliers Arkansas, Inc.. Dba Colliers International 401(k) Profit Sharing Plan require detailed, compliant QDROs that address account types, loans, and vesting future.
Remember: not all QDROs are created equal, and not all attorneys understand the nuances of these plans. With a QDRO-specific provider like PeacockQDROs, you benefit from years of experience and outcomes done the right way—start to finish.
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 Colliers Arkansas, Inc.. Dba Colliers International 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.