I had a Fidelity 401k. At the end of my employment I rolled it over to a Fidelity IRA and then to a Schwab IRA. Then Fidelity sent a letter saying my company failed the Actual Deferral Percentage Test ("ADP Test"). As a result I had excess contributions. Fidelity could not take out the excess since the funds were now with Schwab. I took the excess contribution out from the Schwab IRA. Now both Schwab and Fidelity have issued a 1099 R (taxable) for the same amount. Fidelity never distributed any money. They are just being cautious. Fidelity refuses to issue a corrected 1099 R. How do I deal with this?Brasher Excess Fidelity Rollover 032714.pdf
