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Thanks for the feedback. Got a reply from Schwab that my 401(k) does not have a true-up, unfortunately. I'm allowed one after-tax withdrawal/rollover per plan year (in-plan Roth conversion not allowed, which I guess simply means there's no "Roth 401(k)" component in my employer's plan?). So...

I just found out that my Schwab 401(k) has a non-Roth "after-tax" arrangement and need help understanding it. Last year I ended up contributing beyond 19.5k and rather than getting cut-off at the IRS limit the small extra unexpectedly ended up in this "after-tax" portion of my 401(k) plan. A...