@Bruce-W correct -
but rectifying the situation really means the 4 beneficiaries sitting down and explaining what each did to cover the 2021 RMD situation. If the other 3 distributed enough, then you don't need to do anything; it's just the way it turned out. that is the first step - the agreement among the 4 how they are going to collectively solve the problem. it may be none of the 4 took the RMD and each agrees to take 25% of the required 2021 in 2022 to resolve the sitatuion. again, just needs to be an open frank conversation. Hopefully evenone is on good speaking terms
if you take out what you think is your share of the 2021 RMD and it turns out the other 3 already distributed enough to cover 2021, then all you are doing in 2022 is meeting the 2022 RMD requirement and them some and no explanation to the IRS required.
again, best to understand what the other 3 did to put the 2021 RMD situation behind the 4 beneficiaries before do anything else.
