@Critter-3 and @dmertz
Maybe I have my terminology incorrect. My employer offers a 401a as one of its retirement accounts. This account includes mandatory pre-tax contribution (w/employer match), but also voluntary after-tax contributions. I have been rolling these after-tax contributions to Roth IRA. I thought my after-tax would be capped after it reaches the IRS limit (61k in 2022), but it did not. It was my last paycheck of the year, so these were the final numbers for all contributions. So now I have this excess money in Roth IRA. And after speaking with Fidelity, they instructed me to do the return of excess contributions form.
