TurboTax asking you to explain a recharacterization implies that you have entered a traditional or Roth IRA contribution in the Deductions & Credit section, yet you say that you have no traditional or Roth IRAs. The Fidelity NetBenefits accounts are not IRAs.
Make sure that you have not entered under Deductions & Credits anything reported in box 12 of any W-2 that you received. To remove erroneous entries there you would need to tell TurboTax that you had traditional and Roth IRAs (even though you don't), then proceed to remove any contributions you have entered there.
You say that you have a Form 1099-R. What is the code in box 7 of the Form 1099-R provided by the payer?
Is the IRA/SEP/SIMPLE box marked.
