Hi Marty,
4 1/2 minutes is too short anyways, and I would use a higher dilution if that is in fact correct. The 6 1/2 minutes sounds much more plausible though.
Of the two developers you mention, I have only used HC-110, which is the only developer that I have used with K400 that doesn't produce much fogging. D76, and Rodinal especially, produce noticeable fog with this film. I find exactly the same with Rollei RPX400, 120 format. There's been much debate whether it is the same emulsion - not sure where we stand on that, but the fog issue is there, and the only practical way to deal with it for me is by using HC-110. I use dilution H and discard after use. Not the most economical, but the most consistent. I suspect the Ilford developer is much the same, but test it to be sure.