How Does The IRS Know My Roth IRA Contribution? 
Your contribution to a Roth IRA does not even appear on the IRS radar until you make a withdrawal . At that time the company will report anything that will create a taxable event . That probably means that your Roth IRA will operate outside the IRS purview forever . It was purchased with after-tax dollars and the benefits of a plan that has been in force for five years and that makes distribution after you are 50.5 years old are free of income tax . 