https://www.mut.gg/23/lineup-builder/e5ff5397-9bfd-43bf-b071-08216d78af12/
OVR: 95
OFF: 96
DEF: 94
I hate to say this, but your team is full of some of the worst players at their overalls. For WR, Keyshawn and Tee are incredibly slow for high overalls. David Montgomery is probably the 2nd worst 97 HB in the game.
For your defense, both of your safeties are under 6'0, which will lead to a lot of aggs on deep routes. Ray Lewis is extremely outdated, and your linebackers could use some upgrades as well. At 5'10", Rodgers will also get agged a lot. Height matters a lot in MUT, and if your CBs aren't tall, they likely won't force many knockouts or get many ints. Alim McNeil doesn't have discounted inside stuff, which hurts him and your team a lot.
Assuming you have an 800k budget:
For RB, sell Montgomery and get Lenny, Bo, or Bettis.
For LT, get Darrisaw and then sell Brown Jr.
For WRs, get either Watson, Jones, Pickens, or Carmichael.
For FS, sell Honey Badger and wait for Holland.
For SS, get Cromwell and move Reed to Slot CB.
For CB, either get Elam or wait to see who you get from the TOTY BND.
Then, at DT, get Bryan Bresee.