Squad battles rating

My team is 94 rated sometimes 95 in squad battles  depending the players I choose in my first 11 but my team rating againt opponents is low for example my defence is 81 rated despite me having a cb 96 another cb 94 gk 94 rb 94 lb 95 so how then is my defence not higher rated I'm not playing any player out of position either I have 30,31,32,33 depending on which player I choose to play in starting 11 but this does not seem right even my striker is 94 rated cam 96,95 rated wide players 95 rated cdm 95 rated  93 rated 92 rated so it makes no sense why it says my midfield is saying 84 rated my team rating is basically the same as gold despite me having 0 gold players in my squad