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It's still up to the Named Fiduciary to monitor the delegates.

Is initiating action to get a QDRO established consistent with the plan administator's fiduciary duties or should the plan administrator presume that the participant will receive the entire benefit until and unless presented with a court order (or at least a communication from the ex-spouse to hold off on paying)? Isn't the default action (even in California and other community property states) to just pay the participant unless the plan administrator is put on notice not to do that? Wouldn't the plan administrator have no duty to the ex-spouse until the ex-spouse has been named as an alternate payee or at least started to take action to become an alternate payee? Sorry if I did not make it clear that that is what I was asking.