what your employer withheld are just estimates based on tables provided by the federal government and the state you live it. I wouldn't infer that just because both used 10% those are the penalties for early withdrawal. the critical word is 'estimate'. I am not aware that the federal rules requires withholding the penalty for early withdrawal nor aware that any state charges 10% penalty for early withdrawal.
it just coincidence that the federal and state withholding as well as the penalty for early withdrawal are all 10%
then when you do your tax return the actual amount owed will be calculated and the withholdings will be subtracted them this actual calculation.
does that make sense.
