There are two ways they can inform you of the RMD. Since it is not included for 12b, you will have to request it. Look on the paperwork for a statement that informs the participant that a minimum distribution with respect to the IRA is required for the calendar year and the date by which such amount must be distributed. The trustee must include an offer to furnish you with a calculation of the amount of the RMD if requested. See RMD Alternatives.
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