I would think 5k would only be if you didn't roll it over but took the money out and paid taxes on it.

I had a somewhat complicated QDRO (Ex had a defined benefit plan, but would still be earning more benefits after the divorce, formulas had to be applied and it all had to be kosher within the somewhat arcane rules of the large organization he worked for). I hired an outside expert to do the QDRO, to make sure I didn't get messed over, but it still only cost several hundred dollars (and I thought that was cheap given the amount of work involved).

Now - I suppose if you had several DIFFERENT plans to QDRO, it could be more (my friend who referred me to this guy, when she got divorced, her husband had several different pension plans from several different jobs, so I think her cost to QDRO all 4 or 5 of them was more like atill, it's worth it to make sure it's done right.