Annual Interest Rate vs Actual Interest Rate

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L1: Annual Interest Rate vs Actual Interest RateWhile preparing my portfolio to commence 72T Amortization distributions at age 51 w/ spouse age 51, I noted the following on 405K 405k IRA balance405k allocated to SEPPReasonable interest rate 3.16%Actual Investment rate 5.49%IRS penalty rate 4.0%No joint calculationAnnual payment is $19838 while Annual interest is $21145 per the 72T SEPP calculator however, 5.49% on 405k is 22234.50. Why is there a difference in the calculated interest rate.THANK YOU2009-12-29 23:18, By: johnnyg, IP: []