I have been going to most of the Penn games this year, their biggest issue is leaving points on the field due to self inflicted wounds. High snaps that end up being drive killers and penalties. Their biggest issue against Elkhart was two turnovers in the first half and about 70 yards of penalties by the O also in the first half. Penn had the chance to make it an 8 point game but fumbled inside the 5. This cannot happen against Carroll or they will win.
I know that it is hard to judge teams out of Ft. Wayne due to their bubble, but, the one thing I noted when looking at the two teams schedules, is that (last time I checked) Penn did not play one team that gave up 30+ points per game Carroll has played 4 teams that give up a minimum of 34.5 points. That will make any offense look good.