1. No, since the excess was caused by contributing in two different plans it won't apply to you.
2. Generally, when you pay taxes on a contribution then you have a basis and can withdraw it tax-free. But in this case you cannot include that you paid already taxes on it since you will have to pay taxes twice, once on your 2024 return and then again when you withdraw it.
3. No, if you do not withdraw the funds then you will not get a Form 1099-R. No, it shouldn't increase the risk.
4. You will have to tell your employer the amount of the excess deferral.
@sking10
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