Sounds to me that the 1099-R is generating 5% tax AND ALSO the 10% penalty tax.
Was this an early withdrawal?
Was there Federal tax withheld on this 1099-R?
Did you get the Recovery Rebate Credit (stimulus payments) on the original return?
Are you sure it did not go from OWING 2,943 to owing 2,748? That would be a difference of 195.
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