@Chena I was wondering the same thing, principal + earnings needs to come out. I assume that is the way an excess contribution would have been handled by Fidelity (per IRS rules) had we done it in in 2019.
Like you said, a non-qualified/normal distribution won't be coded the same as an excess distribution on the 1099-SA. They are not equivalent. So we will, yet again, be left with another year of carryover to pay the penalty on.
