you have to file 2020, 2023 and 2023 amendments with 2020 Form 5329 and with 2021 Form 5329 showing the excess and paying the penalty
your 2023 Form 5329 will show the excess resolved by removal since you did it in 2023.
-
return of excess contribution:
after tax due date including extensions: you distribute the excess amount being carried forward on 5329,
(or offset it with currently allowed contribution) .
Earnings stay in the Roth account.
@JGH1976
