I would suggest that you double-check your W2 entries. When the W2 box has "retirement plan" checked (and this is entered into TurboTax), it indicates that the individual is covered by a retirement plan. You can be considered covered by a plan even if you do not choose to make contributions.
If your W-2 does have the retirement plan box checked, then TurboTax is giving you the correct result. If it does not, then double-check the W-2 entry in TurboTax to be sure the box didn't get marked by accident there.
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