1. Too late for that to be of any benefit. The employer cannot change the W-2. Getting a distribution of the $3,500 would not only cause you to lose the match, the $3,500 would still be double-taxed.
2. This is the only suitable option.
3. TurboTax would flag the excess contribution, but ignoring that warnings failing to include the $3,500 in 2022 income would be underreporting 2022 income.
