Hi again, I answered you, but somehow my answer disappeared. I wasn't suggesting that the amounts or designations are different than stated. I definitely contributed $24,500 as an employee and $7500 as a employer with my custodian. When I called them today to see if they could reverse some of the employer contribution, they seem to suggest that both the employee contributions together with the employer contributions had to be equal to or less than my net income of $26,624, and so they seem to suggest that I had contributed too much to both. They said that the employee contributions could be easily reversed but that employer contributions could not. They did mention a suspension account in which the excess could be applied to 2019 taxes, but I think the 10% penalty still applied. Thanks for your time and assistance.
