I also think you are over contributing. From IRS, Link: https://www.irs.gov/retirement-plans/how-much-can-i-contribute-to-my-self-employed-sep-plan-if-i-par...

Employee contributions

Your total annual employee contributions to all the plans can't exceed your personal limit of $23,000 in 2024 ($22,500 in 2023, $20,500 in 2022, $19,500 in 2020-2021; $19,000 in 2019), plus an additional $7,500 in 2024 and 2023 ($6,500 in 2020-2022; $6,000 in 2015 - 2019) if you're age 50 or older. However, because the SIMPLE IRA plan limits your contributions to $16,000 in 2024 ($15,500 in 2023; $14,000 in 2022; $13,500 in 2020-2021), plus an additional $3,000 catch-up contribution.

If you participate in more than one retirement plan that allows you to make salary deferrals (such as a 401(k) or a 403(b) plan), your total annual employee contributions to all the plans can't exceed your personal limit of $23,000 in 2024 ($22,500 in 2023; $20,500 in 2022; $19,500 in 2020 and 2021 and $19,000 in 2019, plus an additional $7,500 in 2024 and 2023 ($6,500 in 2020, 2021 and 2022  and $6,000 in 2015 - 2019) if you're age 50 or older. However, because the SIMPLE IRA plan limits your contributions to $16,000 in 2024 ($15,500 in 2023; $14,000 in 2022 and $13,500 in 2020-2021), plus an additional $3,000 catch-up contribution, this is the maximum amount you can contribute to your SIMPLE IRA plan.