I'll assume that you yourself do not have family HDHP coverage and do not make HSA contributions. Her maximum contribution for 9 months of eligibility over age 55 with self-only coverage is 9/12 of $4,850 = $3,637.50. If $4,000 was the total amount contributed for 2023, the excess would be $362.50, the amount beyond $3,637.50. The only way that I can imagine that $692.28 would be the correct amount of the excess is if my assumption about you not making HSA contributions yourself with family HDHP coverage is incorrect.
