@2manydogs - The same way as above if you missed the date to have the excess removed or if you had two different employers then neither is *required* to return it. It just stays in the account and will be taxed again when finally distributed - in the mean time it can produce earnings in the account.
For information see IRS Pub 525 page 10 excess not removed.
<a rel="nofollow" target="_blank" href="
https://www.irs.gov/pub/irs-pdf/p525.pdf">https://www.irs.gov/pub/irs-pdf/p525.pdf</a>
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
