You should get a 1099R for it. The tax that was withheld was just an estimate. You need to enter the full amount on your tax return with all your other income. Then the tax is calculated. Then all the withholding is subtracted leaving you with a refund or tax due. Yes there is a 10% early withdrawal penalty if you are under 59 1/2 unless you have one of the exceptions or you rolled in to an IRA within 60 days.
