Thank you all who helped and took the time to write these replies. I really appreciate it.
My OP referenced a phone call I had with a plan's rep. This was, naturally, not comprehensive. I received my options, in writing, by mail, and it is indeed identical to the IRS's Safe Harbor explanation at https://www.irs.gov/pub/irs-drop/n-20-62.pdf
@dmertz when you say
"Regarding #3, ... you'll owe a 10% early-distribution penalty on all taxable amounts. That includes earnings in the designated Roth account. Only your after-tax contributions will be free of tax and penalty."
I assume by "earnings" you mean those earnings that accrued due to investment activity conducted within the Roth account. Correct?
Another follow up question is: What are your recommendations for a low maintenance IRA/Roth IRA provider? My current plan's annual admin fees are almost negligible.
Thanks again to all of you.
Mike
