Thank you. Yes, this confirms what I have read - there is only a penalty for the excess contribution.
It seems to me that this is "not right" since it's not the spirit of the Roth, but I cannot find anything about penalties on the earnings. There is benefit to me for leaving the account open, so I'm inclined to just pay the $6 a year (or perhaps wait to withdraw until a year in which I am not in the top marginal tax bracket). Feels like that should not be allowed, though I can't find anything stating as such.
