@taxlady28 your advice sent me down the right road. I looked up the 3922 and in Fidelity, there is a Supplemental Stock Plan Lot Detail with the full and correct basis information.
With that, I followed @DianeW777 's advice and changed the cost basis and the number of shares to the actual amount sold which was 30. Now the math and tax burden seems to line up with a true adjusted gain/loss of only -$30.06 and certainly not resulting in thousands owed.
I'm not sure the claim that "RSUs are pretty straight forward" is reassuring to a first-timer dealing with them and is evidenced by the other similar posts on in the community.
To anyone reading this after, it seems like there are a number of gotchas and extra diligence that a person needs to perform. I would hazard a guess that many people assume their tax documents will have everything they need. Taking the 1099-B at face value may do harm as a common complaint on the forums (and on my own docs) is they don't contain all the accurate information and there are short-term transactions for which basis is not reported to the IRS and is marked as $0. It took a day to figure it out. But it is definitely not plug-and-play.
Lessons Learned on the 1099-B in TurboTax:
Box 1c and Box 1b are likely going to be on the same date
Box 1d is the value of the shares you received.
Box 1e is the adjusted cost or other basis from the sale to cover taxes. Mine lost a little value from distribution to sale (-$30.06). This may not be on your 1099-B and you may have to look for it.
Be sure Box 2 is S = Short Term (since you sold the shares as soon as you got them)
Make sure when you enter the number of shares sold for your RSU questions it's only the amount sold for taxes and not the amount that was vested.
On the Vesting or Release Information questions, the total shares vested/released will be what was distributed to you (100 in my case) and the shares withheld (traded) to pay taxes for me was (30). You'll need to find the market price on the vesting date. Also for me, the price I paid per share is $0. There was a $9.95 commission fee for the sale too that I added.
Doing those steps resulted in a prompt from TurboTax that asked if the amount computed in RSUs was included in wages? It was, Box 14 of my W-2 matched that amount.
