Late payment penalty

As seniors we paid 45% of our 2023 tax bill with withholding in our RMD distribution. The other 55% was paid with one 4th quarter estimated payment. Turbo has assessed us a large late penalty on the whole . We owed only $53 on our 2023 return and paid in 110% of our 2022 tax. Is Turbo wrong? How can I get that changed? Should we pay it and file a 2210? Thank you