Retirement tax questions

I was afraid of that.

 

I suppose I will claim the $5200 as total contributed and eat the cost of the tax and penalty of the remainder to meet my requirements (around $25k total). Vanguard lets me put in a withholding, so I can withhold around 30% (penalty + rough income tax estimate) so I don't get hit with late payment charges come tax time. 

 

Thank you for your help.