Introduction
Dividing retirement plans in divorce can be complicated—especially when you’re working with a defined benefit plan like the Administrative Committee of the Armstrong & Teasdale Pension Plan. You can’t simply split it down the middle like a checking account. To secure your fair share, you’ll likely need a court-approved Qualified Domestic Relations Order (QDRO).
At PeacockQDROs, we help divorcing couples divide retirement assets accurately and efficiently with properly drafted QDROs. This article will walk you through everything you need to know to divide the Administrative Committee of the Armstrong & Teasdale Pension Plan during your divorce.
Plan-Specific Details for the Administrative Committee of the Armstrong & Teasdale Pension Plan
Before getting started, here are the known details relevant to the QDRO process for this specific retirement plan:
- Plan Name: Administrative Committee of the Armstrong & Teasdale Pension Plan
- Sponsor: Unknown sponsor
- Address: 7700 FORSYTH BLVD.
- Industry: General Business
- Organization Type: Business Entity
- Status: Active
- Plan Type: Defined Benefit Plan
- Participants: Unknown
- Plan Number: Unknown (must be requested during QDRO process)
- Employer Identification Number (EIN): Unknown (required for QDRO submission)
- Effective Plan Date: Dates range from 1974-01-01 to 2024-12-31 (depending on updates)
When preparing a QDRO for this plan, the sponsor’s contact person, plan number, and EIN will be essential and should be obtained through the other party or through subpoenas if necessary. This is especially common in General Business plans operated by business entities.
What Is a Defined Benefit Plan—and Why It Matters in Divorce
The Administrative Committee of the Armstrong & Teasdale Pension Plan is a defined benefit plan, which means it pays participants a set amount at retirement based on a formula that often includes salary history and years of service. Unlike 401(k) plans (defined contribution), defined benefit plans are more complex to divide because there’s no static account balance with daily valuation.
That’s why it’s critical to draft a QDRO that clearly outlines how the alternate payee (usually the former spouse) will receive their share—whether through the separate interest or shared payment method.
QDRO Options for the Administrative Committee of the Armstrong & Teasdale Pension Plan
Separate Interest vs. Shared Interest
For defined benefit plans like this one, you typically have two ways to split benefits:
- Separate Interest: The plan divides the participant’s benefit into individual portions. Each party receives their benefit independently, often beginning at their own retirement age.
- Shared Interest: The alternate payee receives payments when the participant starts collecting benefits. This means payments may stop if the participant passes away, unless survivor benefits are included.
Each method has pros and cons. At PeacockQDROs, we help clients assess the best option based on factors like age, health, and financial needs.
Vesting Schedules and Forfeitures
Defined benefit plans often have vesting schedules. If the participant isn’t fully vested in their benefit by the time of divorce, only the vested portion can be divided. This can affect the alternate payee’s eventual payout. It’s important the QDRO includes language that restricts the division to vested benefits or spells out what happens to unvested amounts later forfeited.
Cost-of-Living Adjustments and Early Retirement
Some defined benefit plans provide cost-of-living increases or early retirement subsidies. The QDRO must specify whether the alternate payee is entitled to these enhancements. Failing to clarify this can result in significant financial differences down the road.
Addressing Loan Balances and Repayment Obligations
While loan balances are more common in 401(k) plans, you might sometimes encounter actuarial or employee service-related repayment obligations in defined benefit plans. These don’t function the same way as direct withdrawals but can impact the final payout amounts. The QDRO should state whether the alternate payee’s portion is adjusted for any such obligations—another reason why experience matters in the drafting process.
Do Roth vs. Traditional Factors Apply Here?
Roth vs. traditional tax distinctions usually apply to defined contribution plans. However, it’s common for confused parties to raise the issue during defined benefit QDRO drafting. In these types of plans, benefits are generally taxed as ordinary income when received, and there’s typically no differentiation between Roth and traditional balances. Still, it’s wise to understand tax implications and explicitly address this in the QDRO if any uncertainty exists.
Getting the Necessary Plan Information
Because this plan has an unknown plan number and EIN—both required to complete the QDRO—you will need to request these details from either:
- The participant’s employer’s HR or benefits department
- Filed financial disclosures (if available in discovery)
- A subpoena or court order if the other party is uncooperative
It’s also a good idea to request the plan’s QDRO procedures, which outline required provisions, payment methods, and pre-approval processes. This helps avoid rejection and ensures a smooth approval timeline.
Common Mistakes to Avoid
If you’re dividing the Administrative Committee of the Armstrong & Teasdale Pension Plan, you’ll want to steer clear of these common QDRO pitfalls:
- Assuming the plan is a 401(k) instead of a pension (defined benefit)
- Not determining whether benefits are vested
- Using shared interest when separate interest would better suit both parties
- Failing to secure optional survivor benefits
- Allowing the QDRO form to be rejected because of missing or incorrect plan information
Learn more about QDRO missteps in our Common QDRO Mistakes guide.
How PeacockQDROs Can Help
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 a complex split of a defined benefit pension or simply need help getting started, we’re here for you.
Explore more on our QDRO services page or if you’re wondering how long the QDRO process might take, review our article on QDRO processing timelines.
Final Thought
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 Administrative Committee of the Armstrong & Teasdale Pension 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.