I changed jobs this year & expect to contribute more than the max 401k limit but also expect a return of contrib. from 1 plan. How will this be treated come tax time?

[Critter]

It is your job to inform your new employer of the contributions made with the old employer to make sure you do not contribute too much.   

And why would you have a return of contribution and where is it coming from ?  Is it really a distribution ?  Or a rollover ?  

[donald-mcclure]

The return of my contribution from the first employer is because they will fail the nondiscrimination testing at the end of the year. I’ll get a distribution sometime in February for the prior year. My goal is to over-contribute to the new company’s plans and then somehow get the full $19k max in for 2019 between the 2 plans. The problem is that the return of my contributions will come in the next tax year and I don’t know what that number will be in advance.