No...it would be a very rare-to-non-existent possibility that none would be taxable. It is far more likely that all of the gross is taxable. But somewhat less of the gross would be taxable if you made after-tax contributions to the retirement plan.
Supposedly, there is enough information on the CSA-1099-R for you to go thru the calculations on a follow-up page...but I've never dealt with them myself...nor know how it is to be done. Someone else may know better.
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
