flowchart TD Start(["Retirement account
to be divided"]) --> Q1{"Whose plan?
employer_type"} %% ---------- LAYER 1: plan-type gate ---------- Q1 -->|Military| RM["refer_military
USFSPA order, not a QDRO"] Q1 -->|"Federal civilian"| RF["refer_federal
COAP (CSRS/FERS) or TSP RBCO"] Q1 -->|"FL state / local"| RG["refer_governmental
FRS / municipal own process"] Q1 -->|Church| RC["refer_church
ERISA-exempt"] Q1 -->|IRA| RI["not_qdro_ira
transfer incident to divorce"] Q1 -->|"Private employer"| Q2{"Benefit form?
plan_benefit_form"} Q2 -->|"Traditional pension (DB)"| RDB["refer_db"] Q2 -->|"Cash balance / pension equity"| RDB Q2 -->|"Not sure"| RCX["refer_complex
human triage"] Q2 -->|"Account balance (DC)"| Q3{"457 / NQDC /
SERP / top-hat?"} Q3 -->|Yes| RNQ["refer_nonqualified"] Q3 -->|No| G1 %% ---------- LAYER 2: universal UPL gates ---------- G1{"Division already
finalized by judge
or signed MSA?"} -->|No| SNO["stop_no_order
route back to
dissolution product"] G1 -->|Yes| G2{"Share stated as
%, $, or clear formula?"} G2 -->|No| SLJ["stop_legal_judgment"] G2 -->|Yes| G3{"Survivor + covered period
+ gains/losses all
specified in the doc?"} G3 -->|No| SLJ G3 -->|Yes| G4{"Competing order or
support arrears on
this account?"} G4 -->|Yes| SCP["stop_competing_payee"] G4 -->|No| G5{"More than
one plan?"} G5 -->|Yes| RCX G5 -->|No| ELIG(["eligible_dc"]) ELIG --> DC["fl_qdro_dc.yml
then LDP review +
plan pre-qualification"] %% ---------- Legend ---------- subgraph Legend [" Legend "] direction LR L1{"Decision"} L2["Plan-type referral"] L3["UPL stop"] L4(["Eligible → draft"]) end %% ---------- styles (JusticeXpress teal / orange) ---------- classDef decision fill:#0d5c63,stroke:#063b40,color:#ffffff; classDef referral fill:#e07b39,stroke:#b85f24,color:#ffffff; classDef uplstop fill:#b3261e,stroke:#7a1812,color:#ffffff; classDef eligible fill:#1f7a4d,stroke:#12502f,color:#ffffff; classDef endpoint fill:#f4f1ea,stroke:#888888,color:#222222; class Q1,Q2,Q3,G1,G2,G3,G4,G5,L1 decision; class RM,RF,RG,RC,RI,RDB,RNQ,RCX,L2 referral; class SNO,SLJ,SCP,L3 uplstop; class ELIG,DC,L4 eligible; class Start endpoint;