Are you cropping your image to the appropriate shape? For a 10.5 x 16.5 in. image, set the crop tool for a 105:165 custom crop box or, alternately, 100:157.
I Think I found my own problem in my manual.
I have always used Epson Presentation Paper Matte, which comes in "11 × 17 inches (279 × 432 mm)."
The new paper I am trying Epson Ultra Premium Photo Paper Luster is true A3 paper "A3 (11.7 × 16.5 inches [297 × 420 mm])."
I assume (yes for sure out of me) once I set the paper size correctly, it will print inside the template margins.
My images were cropped smaller that the print margins, As I just posted the Matte paper is 11x17, while the Luster is A3 11.7x16.5.
Paper size mistake. Thanks for trying to help!