Dividing the Infocenter 401(k) Retirement Plan in Divorce
If you or your spouse participates in the Infocenter 401(k) Retirement Plan, and you’re going through a divorce, you’re likely facing questions about how to divide that account properly. A Qualified Domestic Relations Order (QDRO) is a special court order that ensures the non-employee spouse—the “alternate payee”—receives their fair share of the retirement account without triggering early withdrawal penalties or taxes. But not all QDROs are the same. When it comes to 401(k) plans, things like employer contributions, loan balances, and Roth sub-accounts add layers of complexity that can trip people up if they’re not handled correctly.
At PeacockQDROs, we’ve processed thousands of QDROs from drafting to execution. We handle every step—drafting, preapproval (if required), court filing, and final submission to the plan administrator. That’s what sets us apart from services that just give you the document and leave the rest to you. Our goal is to make sure all loose ends are tied up properly, so you don’t have problems down the line.
Plan-Specific Details for the Infocenter 401(k) Retirement Plan
To get a clear picture of what you’re dealing with and what documentation you’ll need, here are the known details about this specific plan:
- Plan Name: Infocenter 401(k) Retirement Plan
- Sponsor: Infocenter.io corporation
- Plan Type: 401(k) Retirement Plan
- Organization Type: Business Entity
- Industry: General Business
- Address: 2815 Coliseum Dr.
- Key Dates: 2019-01-01 (start), 2024-01-01 to 2024-10-31 (related data range provided)
- Plan Status: Active
- Plan EIN: Unknown (must be confirmed with Plan Admin)
- Plan Number: Unknown (must be confirmed with Plan Admin)
- Participants: Unknown
- Assets: Unknown
Since the Employer Identification Number (EIN) and plan number are not publicly available, it’s essential to request a Summary Plan Description (SPD) or contact the plan administrator directly. These numbers are necessary when submitting a proper QDRO that can be approved and processed.
Why a QDRO Is Required for the Infocenter 401(k) Retirement Plan
Without a QDRO, even if your divorce judgment says one spouse should receive part of the 401(k), the plan administrator won’t have the legal authority to divide or distribute the benefit. This can result in delays, taxes, or denied distributions. A properly executed QDRO ensures:
- Tax-deferred transfer of retirement funds
- No early withdrawal penalties for the alternate payee (typically the non-employee spouse)
- Clear assignment of rights to account balances and earnings
Special QDRO Considerations for 401(k) Plans Like Infocenter’s
401(k) plans come with moving parts that must be carefully addressed in the language of your QDRO. Here’s what you need to know:
Employee vs. Employer Contributions
Most 401(k) plans include both employee salary deferrals and employer matching or discretionary contributions. While the employee portion is always fully owned by the participant, employer contributions may be subject to a vesting schedule. If you’re the alternate payee, you should know that:
- You can’t claim funds that haven’t vested yet
- Plans may treat unvested funds as “forfeitable” if a participant leaves before full vesting
- The QDRO should specify whether the alternate payee’s share includes just vested funds or a percentage of all contributions subject to future vesting
Vesting Schedules and How They Impact QDRO Shares
Unlike pensions, 401(k) vesting schedules vary widely. Some vest over six years; others vest quicker. If the participant has worked at Infocenter.io corporation for only a short time, the QDRO should address how to handle unvested amounts. Choose language that either:
- Awards a fixed dollar amount (safer if vesting is uncertain)
- Awards a percentage of the vested account balance as of a certain date
Loan Balances and Their Effect on Division
If the participant has taken a loan from their Infocenter 401(k) Retirement Plan, this will reduce the account balance. But should loans be deducted before or after dividing the account? The QDRO needs to answer that clearly. Your options include:
- Including Loans in the Account Total: Treat the loan balance as part of the total, then divide what’s there—even if the money was already withdrawn
- Excluding the Loan: Divide only the net amount currently held in the account (loan already subtracted)
Each choice has implications. If the loan was taken during the marriage, it may be fair to include it in the divided amount. But if it happened after separation, many choose to exclude it.
Roth vs. Traditional 401(k) Sub-Accounts
The Infocenter 401(k) Retirement Plan may include both pre-tax and Roth (post-tax) sub-accounts. Roth accounts come with special tax treatment and withdrawal rules. So your QDRO should specify:
- How the division applies to each sub-account
- Whether the alternate payee is receiving a portion of each account type or just the pre-tax
Failing to account for this properly can lead to confusion during distribution—and potentially unfair division. Always aim for clarity.
Best Practices to Avoid Common Errors
QDROs for 401(k) plans like the Infocenter 401(k) Retirement Plan are full of traps that can cause delays—or worse. At PeacockQDROs, we see these issues often:
- Not specifying how to handle plan loans
- Failing to account for unvested employer contributions
- Using vague language like “half the account” without date or valuation details
- Omitting how Roth vs. traditional account types should be handled
- Submitting the QDRO before confirming plan-specific rules like deadlines or format
We built our QDRO review process to eliminate these problems before they ever make it to the plan administrator. Want to know what else people get wrong? Check out our guide to Common QDRO Mistakes.
Processing Timeline and What to Expect
QDRO timelines can vary from plan to plan. For the Infocenter 401(k) Retirement Plan, processing may take several weeks—especially if the plan requires preapproval of the order. Learn the major factors that speed things up (or slow things way down) in our article 5 Factors That Determine How Long It Takes to Get a QDRO Done.
Why Choose PeacockQDROs?
At PeacockQDROs, we don’t believe in half-finished work. Some providers just hand you a drafted document and make you figure out the rest. That’s not how we do things.
We draft the QDRO, send it to the plan administrator for preapproval (if they allow it), file it with the court, and make sure it’s processed successfully. Our process is full-service—and it works. That’s why we maintain near-perfect reviews and a consistent record of QDROs done the right way the first time.
Want to learn more? Start here: QDRO Process Overview
Final Thoughts
Dividing the Infocenter 401(k) Retirement Plan takes more than a generic approach. You need a QDRO tailored to the specific features of this plan and the complexities that come with 401(k) accounts—like vesting, loans, Roth accounts, and employer matches.
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 Infocenter 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.