JohnW222,
Thanks. I had come to the same conclusion. Fortunately Vanguard 1099 statements had most of the information I needed, i.e the dates of various distributions. It was fairly time consuming but I was able to reduce the penalty about $50 down to zero. I am retired and had the time to do it. If I was still working, I am not sure it would been worth the effort. Besides, sometimes I like solving a tricky problem.
Thanks for your comments.
