I wouldn't call a T unless the fifth player came running onto the court instead of reporting to the table. The Case Book play for 10-1-9, has the fifth player running onto the court just in time to catch a pass.
If the rule was meant to penalize your situation, i'd think that the Case Book wouldn't have used a specific play where the team gained such a distinct advantage. Also, what would that referee have done if Team A only had 4 players after a multiple substitution instead of a time-out?
While a team isn't allowed to play with less than 5 players if they have 5 available to play (3-1-1), there is no penalty listed if they should do so by mistake.
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