did you submit your return for 2021 because the 5329 should have been included? If you filed without it you'll need to amend to include the 5329 which will show the 1764 excess subject to the 6% tax. the IRS will bill you for any penalties and interest for late payment.
for 2022 the same thing except that it shows both the excess for 2021 and the excess for 2022 subject to the 6% penalty. again the IRS will bill you for penalties and interest. For 2023 you must withdraw the excess by 10/15/2024 + earnings on the excess. the earnings will be taxable in 2024. contact the custodian to inform them you're withdrawing excess contributions + earnings and ask them to calculate the earnings.
