I've seen a similar scenario but not my exact situation.
In 2022 I had a ROTH 401K account with TD Ameritrade. I accidentally overcontributed to it...not by maximum contributions of 27000 (which I did) but turned out after payroll taxes at the EOY I wound up $3800 over. I have a solo401k and contributed based on expected salary but fell short and didn't catch it on the W-2 (43000 earned, 27000 contributed but turned out 3800 over after calculating withholding and SS).
TD Ameritrade then told me they were discontinuing ROTH 401k accounts and I was forced to rollover to a ROTH IRA. Only caught it this week when checking last year's contributions and making sure I did everything right. Regardless, the overcontribution and subsequent earnings still remains in the ROTH IRA today.
As a ROTH 401k what do I do? does the excess become ineligible to rollover to the ROTH IRA and become taxable for the 2022 tax year of the rollover? In addition to excise taxes of 6%? If I withdrawl the funds now - which I intend to do. Or do I pay income tax on the excess contributions and earnings from them and then deal with 6% excise tax (and possibly 10% early withdrawl penalty)? I'm past the excess contribution distribution timeline.
