@Opus 17 Yes my 1099-SA amount was exactly the excess contribution. Looks like the additional tax on that amount was almost 50%. I assume 20% is the penalty and the rest is the income tax rate for my tax bracket.
I'm thinking I may keep kicking this down the road, paying the 6% penalty each year. I'll close it out after I reach age 65 when the 20% penalty doesn't apply. I'm only a few years away from that.
