Retirement tax questions

Oh really? I had no idea that the 3rd portion was gonna be taxed at a different tax rate. If that’s the case then it makes sense why the 3rd portion is being taxed about 22%. I noticed on the tax summary that no penalty is showing under my 1040; Im just being taxed about 22% on the 3rd portion.

I didn’t receive any 1099-R for 2022 or 2021 Tax years so nothing has been entered on that section. I didn’t receive any warning related to the penalty or anything related to that. Thanks for your response.