Did you do anything weird with your schedule (like say loading up your NC slate with USC, Oklahoma, LSU, and Boise)? Because if not, that would be really good news that the game actually mixes it up randomly a little bit instead of just having 2 or 3 major conference undefeateds every season.
I was Oklahoma for the season and played the schedule that they have for the year. USC suffered two losses and I played Florida for the national title. Rutgers finished the season with 1 loss and ranked number 4, behind Michigan (2), Flordia (3). Florida finished with two losses but I beat them on a last minute field goal so they didn't penalize them to bad.