Thank you for the detailed reply.
This puts me in a big pickle, because yes it is a substantial amount in the 5 figures. Unfortunately my income for 2020 wasn't nearly as much as in 2019, so I can't count that as a 2020 SEP contribution.
Could this be straightened out with a call to my financial institution to reclassify the box 7 code? There was essentially no gain or loss on the excess as I took the distribution only a few days after the contribution.
