You need to make the request to withdraw the excess as soon as possible. If you do not take out the excess amount by April 15th, then you are taxed twice on the excess deferral left in the plan. This happens once when you contribute it and again when you receive it as a distribution. You can't include the excess amount in the cost of the contract even though you included it in your income.
You do not need to add the excess to your wages on your 2024 return since this was a Roth 401(k). You can go ahead and file your 2024 return.
If you get the excess distributed before April 15th then you only need to report the earnings on your 2025 return when you get the 2025 Form 1099-R with code 8.
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