We received a QDRO. The participant has an account balance of $33,100 with an outstanding loan balance of $11,400. The spouse is entitled to 50% according to the QDRO (excluding any loan accounts). How much is the spouse entitled to? $16,650 or $10,850??

If you cannot answer that question, you should probably consider rejecting the (draft?) DRO and asking the parties and/or court to clarify.

If you had either a decent order or decent written QDRO procedures, you would know. So maybe you have to reject the order because it fails to specify adequately the amount payble to the alternate payee.