Yes and no.
You have three years to file a later tax return and still get a refund. So, it is not too late to file. You should not delay, as you could be hit with a failure to file penalty.
But, you are unlikely to get a refund of that $500 withholding,.if you are under age 59-1/2. Expensive living is not an exception to the 10% early withdrawal penalty. In addition, the withdrawal is subject to income tax.
