This forum has no access to your return. Thus, it doesn't know key items in your return. Nor does it know how that 4.9% was calculated. Is the $1000 the amount withheld box 4 of the 1099-R, or the increase in line 16 or 24 of your 1040? Are 16 and 20 the same?
20% is somewhat questionable. However, more income can affect many other items on your return.
Unless you are using the basic version, you can request help fom Turbotax support. But then you must let them see certain (screen share) info on your return.
