Thanks. I had forgotten about 5498 since it doesn't show up in my Vanguard account yet. I can see it for 2018 but not for 2019 yet. Since it will indeed be an excess contribution for me, I am just pulling it out. I will end up paying ~30% in taxes (on the growth) and ~10% in the penalty (on the growth), which is 40% of the 15% growth I see in the account. It is similar to 6% penalty.
