This depends on your total situation. you may have some coming back.
Here is a quick test. Callit an acid fast test.
Your filing status is most likely head of household.
You have as total income: 38,346
minus 7550 single head of houshold deduction
minus 6800 exemptions
adjusted gross income: 23,996
The actual tax on this should be: 3383. This inclueds a child tax credit of 1,000 and the 10% penalty.
If you credit the amount that was taken by the plan administrator alreay, you need to pay in 1,027 more dollars. If your employer took that much or more from your salary you are covered.
Of course you might come up with more deductions, so would still be ok.
Try this calculator and apply all the information that pertains to you.