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<<If it was in my pocket, or in my 401k that wouldn't be bad, but there seems to be some missing... >>

I had assumed that your entire contribution was deposited to your 401K and then the distribution was removed from the 401K. If that is not true then I understand your concern.

There are a couple of ways to calculate the return on the excess contribution. The formulas referred to as complicated and not widely available. Asking the administrator would probably be the only way to determine the formula used. The 'return' may not based completely on return on the excess contributions but the overall account for the year.

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