Thank you for jumping in to help.
While I started to pull the data you asked for, I got a call back from TurboTax. Turns out it is working correctly.
The issue is that no federal tax is due because her income is well below the standard deduction (obvious to me now!). The $407 tax due that TurboTax is showing before applying PTC is self-employed social security and medicare which can't be offset by LLC. So it then applies the PTC and nets out to $892 refund (1299 PTC - 407 SS and medicare).
I get smarter about taxes every year! 🙂
