It’s not a problem at all, sounds like the handicap is being assigned as is described in the rules. We all play with the lowest of 3 numbers–our WA index, our current index, or our 12-month low. Sounds like your 12-mo low is 4.5. I’m using my 12-mo low and I would guess that 90% of participants are as well, so almost everyone around you will have a similar difference between that number and current index. BTW most major tournaments and competitions use 12-mo low now because it prevents players from “playing up” their handicap before an event, and it is really a measure of your true potential.