Did you request the return of excess contributions plus earnings? If this was an excess contribution for 2021 withdrawn in 2021 then your Form 1099-R should have codes J and 8; box 1 should be the excess contribution plus earnings and box 2a should be only the earnings of $400. Only the earnings will be taxable income and also subject to the 10% early withdrawal penalty.
If your Form 1099-R shows this as regular distribution then might need to contact your financial institute to correct this.
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
