If your income permits $960 (phaseout rule) , your nominal excess contribution is $1,832 and that amount plus a fudge factor is the amount you state on the form and for which earnings will be calculated.
In this case you must add a compensating fudge factor to the excess because the allocable earnings are in 2025 and that will reduce the permitted amount to below $960.
Once the money is returned, you have until April 15, 2026 to top off your 2025 contribution to the new permitted amount.
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If you find this too complex, request the return of 100%, but the total earnings will reduce your permitted contribution even more.
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