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thisguyntx writes (in part):

I read through it but still don't understand how to fix this situation.

I reply:

The key words you'll be looking for when you read the Publication to which Phil referred you are "excess deferral." That's what you've done. An "excess contribution" is a slightly different animal (that's what happens when some of your contributions need to be returned so that your plan doesn't fail antidiscrimination tests), with different and more forgiving deadlines and consequences.

If memory serves, you need to hurry -- things get worse for you if you don't fix this by February 15. --Bob
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