RESOLVED (on my own). It turns out there were two additional mysterious 1099-R's that I would never have known existed! I will explain since someone else might have the same issue. I left the employer decades ago, so I no longer get W2's or any documents from them. The employer happens to use the same brokerage firm I use myself, so I log on to my brokerage for everything, including when I used to have the 401k. My brokerage did NOT include these two 1099-R's from the 401K in their tax doc list and did NOT include them in their downloads direct into turbotax (probably because they are from the "institutional"/workplace arm of the brokerage, and should be linked but are not?). No paper copies of ANY 1099's were sent to me since I have e-delivery. Net: I would not have known there were two more 1099-R's if I had not accessed the "employer" portion of the brokerage website and navigated to my former zero-balance 401K and searched for tax document pdf's on that particular old account. The data does not import directly into turbotax so I had to key it in from the pdf's.