Ok I'll take a closer look at the ratings. I've already brought them up quite a bit, and it's tough to match those team ratings exactly, especially when they're not shown to you in Teambuilder.
Edit: After making increases, I find that now I'm at (O,D,T) = (67,63,63). So the offense and defense are correct, but the OVR is still low by 2
. I'll make a couple more VERY slight increases to a couple of players, otherwise I'm just going to go with it as is.