And one other question - when my custodian removes the excess contribution, will they remove just the principal, or the principal and any gains/losses? I know for Fidelity they automatically calculate any NIA and remove both the principal and any G/L, whereas I believe eTrade has the customer calculate NIA depending on the timing of the removal and when the excess contribution(s) took place - further to that, I assume form 1099-R will reflect the correct principal and G/L removed (distributed) from my Roth?
