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The 5% difference is likely due to the drops, not badly thrown balls.
No it's not.
Rosier is inaccurate and therefore he doesn't throw a very catchable ball. Or at least he's inconsistent in that regard. Which means that he'll spray balls and sometimes the receiver will make a great catch and bail him out and sometimes the ball will hit them in the hands and they'll drop it.
Guys who are not accurate can't use drops as an excuse for why they're a 57% passer (and worse against FBS teams).