For purposes of determining excess contributions, any contribution that is withdrawn on or before the due date (including extensions) for filing your tax return for the year is treated as an amount not contributed. This treatment only applies if any earnings on the contributions are also withdrawn. The earnings are considered earned and received in the year the excess contribution was made.
What I'm wondering is:
How much was my contribution in 2017? Would it be (($5,500 * 4) - $21,604.38) =$395.62?
Did I have an excess contribution?
Do I need to fill outthis Vanguard formto have Vanguard remove earnings on an excess contribution or is there anything else I need to do?