As long as you’ve accurately entered all your 1099-Rs and proceeded through the screens after that, your return should include any early withdrawal penalties (TurboTax does it automatically, based on those entries). And depending on your other income, it’s possible that your withholding (from box 4 of the 1099-R) was sufficient to create the pleasant surprise.
You can check it though, by looking for the 10% number on line 8 of Schedule 2 (which you can of course see by printing out the return, or by previewing your 1040, as described here).
Regarding your last question, the “Coronavirus-Relarted Distributions” were just for 2020. There are still some exceptions to the 10% penalty (related to medical and education expenses, and some uncommon events and circumstances), and the program covers them in that section after the 1099 entry to which I referred. The “Let’s See If We Can Lower Your Tax Bill” screen has an “exceptions” link which lists the possibilities, and you qualify by making entries after that.
@thanhtuche, if you’d like to discuss any of the specific exceptions, or if your refund is still seeming too high, please repost here!
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