CSS を使用して長方形から円を効率的に切り取るにはどうすればよいですか?

div:before {  /* creates the red circle */
  position: absolute;
  content: '';
  width: 90px;
  height: 90px;
  top: -75px;  /* top = -75px, radius = 45px, so circle's center point is at -30px */
  left: calc(50% - 45px);
  background-color: red;
  border-radius: 50%;
}
div {
  position: relative;
  margin: 100px auto 0 auto;
  width: 90%;
  height: 150px;
  border-radius: 6px;  
  
  /* only the below creates the transparent gap and the fill */
  background: radial-gradient(50px 50px at 50% -30px, rgba(0, 0, 0, 0) 49.5px, rgba(0, 0, 0, .8) 50.5px);  /* use same center point as with concentric circles but larger radius */
}