Analysis of your options here can be very complex, and if possible it is best to try to speak to a senior staffer. If the plan uses an outside administrator (eg Fidelity, Schwab etc) it may be easier to get your options explained in an understandable manner. It may be best to approch your after tax distribution options for the following separate account values:
1) Pre 1987 after tax contributions - as long as your plan tracks these separately, the amounts can typically be distributed and would NOT include any earnings.
2) Post 1986 after tax contributions - these options are more complex and will usually involve a different sub account than the pre 87 amounts and will also include earnings generated.
Details are outlined by Kaye Thomas of Fairmark in the following link that includes other links to separate sub account implications: http://fairmark.com/retirement/roth-acc ... yer-plans/