Being playing many years offline franchise mode and never being able to leave penalty sliders at out of box level. Currently playing franchise all star, changed many sliders, rules -pens set at 4, gameplay sliders set at 90 for both cpu and cpu teammates quite a few individual penalty sliders set at 90 to see a spread if different penalties. Play 7 min periods and get up to 4 to 5 for cpu and 3 to 4 for user dependent on who I'm playing. Just check when you load your game that on main screen under rules that pens hasn't reset to 3, mine does x box series s and has been reported as a bug. Hope that helps.
