Every year, I try to make sure that my contribution to a pre-tax 401-K, employer match, and after-tax contributions equal $51,000. By mistake, due to an unusually large bonus, the after-tax portion is greatly overfunded and will necessarily shrink the pre-tax ($17,500) and employer match space. I have called the 401-K provider as well as the human resources department and they claim they cannot refund the excess because I have not yet reached the $51,000 limit. They tell me that once I do reach the limit, all future contributions will be refunded to me. That is, the pre-tax contributions and employer matches will come back to me. Obviously, I would rather have the after-tax contributions come back to me and maximize the tax deduction and match. They say they have never dealt with this before. Any one know what I can do?