So if you made no other contribution for 2019 and you have sufficient compensation to support the contribution, a deposit of $6000 this is not an excess contribution. The only penalty is the 10%, early-distribution penalty on the taxable part of the $6,000 distribution. You'll need to report both the contribution and the distribution. You could reduce the penalty by treating the $6,000 contribution as a nondeductible contribution (or perhaps you are required to treat it as nondeductible due to your combination of modified AGI, filing status and active participation in a workplace retirement plan) , but unless $6,000 represents a large amount compared to the amount remaining in your IRA, the benefit would be small and the downside would be that you will have basis in nondeductible traditional IRA contributions that will generally persist until you have distributed all funds from all of your traditional IRAs. Of course if you already have some amount of basis in nondeductible traditional IRA contributions, there would be no real downside to carrying a little bit more basis other than the fact that you will see no immediate tax savings from making the nondeductible contribution although it will reduce the taxable amounts of future distributions.
