AnnetteB6
Employee Tax Expert

Retirement tax questions

The plan cost represents any amount that you contributed to the plan with after-tax funds.  If you did not make any after-tax contributions, then your plan cost will be zero.  

 

The plan cost may be reported on Form 1099-R in box 9b, but generally only in the first year that you receive a distribution from the plan.  

 

Without some sort of documentation for the plan cost, you will need to enter zero in that box.  This will make your distribution fully taxable, which is the most common situation. 

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