Thank you dmertz--you are correct that there is a non-zero amount in 2a, that is somewhat less than the gross distribution amount. I cannot determine from information available to me how the taxable amount was determined. I thought it had something to do with the insurance premiums that are deducted, but since it is not an exact match for the premiums I paid, I don't have a way to determine for certain.
And yes, I did think the entire amount was taxable. But TT is forcing me to answer questions I do not have the answers to, and I am working on looking this up in last year's TT.
TT also referred me to Publication 721, and I will try to wade through that. But for now, TT has created wall I do not know how to climb over.
Thanks for your help 🙂
