If you have an excess you must take corrective action before upcoming tax day.
You have two choices.
if the excess is less than your earnings, you can ask the custodian to recharacterize.
This turns it into a Traditional IRA contribution. You may or may not be able to deduct it so that effects yuur decision.
You can ask the custodian to send the excess back to you by submitting the "excess plus earnings" removal form
You must have a) filed by tax day, or b) requested an extension of time to file by tax day to take advantage of the Oct 15 deadline for corrective action. Otherwise the deadline is April 15th.
Reporting is less complex if you take corrective action before filing.
@mbk123
