Hi @FangxiaL
Please provide more details on the process for taking an nonqualified withdrawal of the excess amount.
In particular, my understanding is that we need to withdraw the excess amount AND the earnings attributable to that excess amount.
Additionally, the 1099-SA we receive as result of the withdrawal will indicate a distribution code of "normal withdrawal" and not a "excess contribution withdrawal".
How will the IRS understand that we are correcting the excess contribution ?
