I didn't look at my Notice of Assessment for 2019 until now and it shows:

2019 RRSP contribution limit: 10,000 <---this is the number I based my contributions on

2019 RRSP contributions: 10,000

Then it says:

2020 Calculation:

2019: 18% of earned income: $10,000

2019 Pension adjustment: $10,000

2020 Past Service Pension Adjust: $3000

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2020 Available Contribution Room: ($3,000)

I didn't contribute anything and wasn't expecting any prior year pension adjustment since my employer is still the same. Advice requested on what to do now. Do I need to withdraw $3,000 from amounts I contributed in prior year 2019 and file a T1-OVP?

If that's the case, what's my total penalty? (10% withholding tax, plus 1% for every month - I submitted my 2019 contribution on Feb 28, 2020, so is that Mar-Dec 1% *9 months?)

If I don't do anything other than pay the 1% per month penalty, will I be able to rollover the excess in a few weeks when I get new RRSP contribution room for 2021?

Lastly, is there a simple way to determine if I'll get a prior year pension adjustment and the amount before I get the NOA next time?

Advice appreciated.