The contribution vs earnings issue clears it up. I am still eligible for a penalty-free contribution withdrawal. Thank you!
But quick note that the plan administrator does not matter here. Per IRS notice 2024-55: "If an applicable eligible retirement plan does not permit emergency personal expense distributions, the individual is permitted to treat an otherwise permissible distribution as an emergency personal expense distribution. See Q&A A-15 of this notice." -https://www.irs.gov/pub/irs-drop/n-24-55.pdf
