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So do individual ratings combine to make the overall? That's what I thought at least.
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No, individual ratings are what drive the statistics created by the game engine.
The overall rating is a visual sorting/assessment tool that is vague and does not always make sense.
1) There is an option "Rate players based on all players or positions" This will effect OVR and POT stars. I use all players, I play mainly online and changing positions can game the rating system.
2) There are options to value players relative to certain leagues. These can be turned off. Check to see if you have selected it.
If you are having difficulty relating OVR and POT to the other (more important) player ratings I would recommend setting scouting to 100% accuracy or turn it off. This will mean the information you see is 100% correct. After you dominate the AI in this way then I suggest you turn it back on...
UNLESS you are having a blast playing now, then leave it.
If you only asses, promote and demote players based on Stars you will miss opportunities to improve your team.