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Spouse had 2 employers in 2025. for employer 1 she contributed 8K to traditional 401k and 13K to roth 401k. for employer 2 contributed 23.5K to traditional 401k. hence there is 22K excess deferral for 2025. we missed this and penalty free withdrawal cant happen on/before april 15. we want to keep the excess in retirement accounts and only withdraw after 60+ when there's no penalty and hopefully in a lower tax bracket. the current employer (employer 2 from 2025) says - withdrawal is not an option on their 401k plan. we are waiting for employer 1 to confirm if they will allow withdrawal or not. i have the following qns: (1) since the excess were only against 401k and not against IRA - I hope keeping the excess in the retirement account for many years until retirement will not incur annual excise taxes and special annual penalties if any ( payable annually or accrued till age 60 etc). Is that correct ? (2) the 2025 excess deferral is 22K. No matter when I withdraw it, many sources say I should report 22K as additional misc income on my 2025 tax return. In our case - 13K of that 22K was a Roth 401k contribution. That 13K which went into Roth originally came from a bonus of 23K in feb 2025, which got taxed (paid 10K payroll taxes in feb 2025) and remaining 13K from that bonus eventually got directed into this Roth 401k entry. if I were to report the full 22K as additional misc income in 2025 tax return - then it seems like the 13K portion is getting TRIPLE taxed when I withdraw again at 60. I understand that I have to accept DOUBLE taxation as a punishment for missing this. in case of this 13K Roth 401k contribution - will IRS and the 401K company understand that it was Roth and maybe at withdrawal at 60 years - will it only tax the earnings on that 13k roth amount & not re-tax the 13K principal since the 13K principal has already been taxed TWICE ( once at payroll in feb2025 and once again in April 2026 while doing 2025 tax returns with excess reported as misc income) ? (3) do I have an option to designate and attribute how I want the 401K admins to tag the excess 22K? For example - can I tell the employer 1 401k admin to make a note that the 8K of the 2025 excess should come from the traditional 401K portion only and also tell the employer 2 401k admin to make a note that the remaining 13K excess for 2025 should come from employer 2 traditional 401k portion. That way the employer 1’s 13K roth 401k can be left untouched with respect to excess and I can accept double taxation only on the 22K of the traditional 401k portions when we withdraw at 60 yrs ? I hope someone can read and opine on this and thank you very much for advice you all provide on this forum.