Hey, I just had a thought for consideration.

You learned this was Indirect Rollover. That means the distribution of the $117k would have the mandatory 20% withholding. That means the excess and really, the additional personal funds used that would count as contribution, can be applied as showing nearly a full Gross Rollover, and then the withholding likely will result in a tax payment refund.

Assuming we now understand all the facts correctly.