correct. I get the reasoning why the rule is the way it is (at least for the small division), but IMO it is easier/less risky to go 19 and get full credit for 4 elite groups than 20 with 5 and I don't feel it should be rewarded, which it basically is since there is no difference in point value. Many (not all) teams are taking this route not because they can't field a full team, but because there is a bigger benefit to not doing so. I especially feel this way in medium and large divisions - if you don't have the full amount of athletes than you have the option to go to a different division.