Fidelity told me it was an employer choice not to carry the 401k, once a withdrawal was initiated by a past employee. If factual, I presumed it was due to employer administration costs. Had I not needed to take a withdrawal it wouldn't have come up ($30k balance).
To your point, I did have a separate $350. 401k balance returned to me because it was below the minimum $5k required so, yep there is that.
I've confirmed having my 401k rolled over to a cash IRA doesn't preclude me from creating a new IRA for this past year by April 15 for the tax deduction 🙂
My thanks to All.
