I have an interesting situation where a check was deposited into an IRA in 2019 and it was meant for a Non Proto-type account. Advisor error. Our custodian denied a check deposit correction and said we have to do a Return of Excess. That means that the IRA owner will now have a reportable contribution and an ROE that was never meant for them. Wondering if I could get your thoughts on this as to whether it should be "reportable" or "non-reportable".