"There is no 1099-R for the QHSAFD."
Assuming that the HFD occurred in 2025, the IRA custodian has until January 31, 2026 to issue the required code-2 (or maybe code-1) Form 1099-R showing $5,003 in boxes 1 and 2a, box 2b Taxable amount not determined marked and the IRA/SEP/SIMPLE box marked.
If the IRS custodian is a bank, given that bank employees are notoriously undertrained regarding IRA transactions it's entirely possible that internally they mistakenly coded the transaction as an IRA transfer instead of as a distribution. If that's the case, they would fail to issue the required Form 1098-R and you would have to contact them to make the correction and issue the Form 1099-R. If they decline to issue the Form 1099-R, you would have to file a substitute Form 1099-R (Form 4852) which would preclude you from e-filing.
