Yes - It was a W2 import issue!
The employment W2 included funds in box 11. Nonqualified Plans, which was not distributed by this W2 but captured by the employer for FICA. Other W2s distributed the same Nonqualified plans. With the error, the non-qualified plan distribution was mistakenly doubled, which exceeded the Wages (Earned Income) in box 1, so the software calculation said "No Earned Income".
If no earned income, then no IRA contribution is allowed.
Mystery solved.... Thanks for all the suggestions!!!
