I understand. Thank you so much for your answer and for staying up late last night to help me. I think I can withdraw the excess of the catch up of $1938 without too much difficulty, but the employer contribution over payment of $3438 I guess will have to remain with the 10% penalty. Do I file the form 5330 that you linked to above with this year's taxes? Many thanks again. I'll never contribute to my 401k again at any other time of the year except after computing my taxes!
