@DanaB27 To confirm, here is the scenario that I'm running into (a little bit more complicated that expressed above):
- In 2024, I contributed to Roth 401(k) plans at two different companies, which resulted in an over-contribution across both accounts.
- After leaving the first company, I rolled over its Roth 401(k) into a Roth IRA around October 2024.
- I realized I had over-contributed to the Roth 401(k) accounts on March 18, 2025. I attempted to correct this by withdrawing the excess from the second company's 401(k), but I had missed the second company's March 1, 2025 correction deadline, so that option was no longer available.
- As a result, I requested a return of the excess contribution from the Roth IRA (which had received the rollover from the first company's Roth 401(k)).
- On April 4, 2025, the Roth IRA custodian distributed the excess contribution along with associated earnings — including gains from both the original Roth 401(k) account and subsequent gains within the Roth IRA.
Based on the above new information, do your answers still hold regarding not having to reporting anything in my 2024 return?
