"I cannot write a note or do anything to indicate the money moved to another retirement account in Turbo Tax."
That's not true. TurboTax always allows you to indicate that a distribution reported with codes 1 and M was rolled over. Edit the ADP Form 1099-R and review the questions that TurboTax asks.
Because the movement of the loan was reported as a distribution from the ADP 401(k), its reestablishment in the Fidelity 401(k) constitutes a rollover. Reporting it as a rollover makes it nontaxable income. Even though it must be included on Form 1040 line 5a, it will be excluded from line 5b with the ROLLOVER notation.
