How much grain in the 3qt? Also, like GilSwill said, how tightly compacted in the bag was the grain? If it was really tight, you may not have rinsed all the sugars out during the rinse, or quite possibly not even converted all of the sugars. If you had it all really tight in a bag, you basically created a big doughball. When you get doughballs in traditional mashes, you'll instantly lose efficiency. Also, if you did have it too tight, then while rinsing the grains you probably didn't get through the center of the bag/grains. The water will take the path of least resistance, which would be the outside of this tightly compacted grain bag.
Do you have a link to which bag you were using, and can you provide how much grain went into the bag? I don't think the crush of the grains would throw it off by 20 points either...
We'll figure it out! My best advice: Don't give up on all-grain brewing!
Cheers.