The penalties will come down with better players, I don't then that's a coaching issue. Also, I don't think player development is a big problem, we just don't have talented enough players. So the biggest issues in order:
1. Lack of pass rush off the edge - Judon is the only future piece we have
2. No power in the running game - it'll improve as Stanley and Lewis have a year under their belt, but we need more interior push. Flacco needs a good running game to do well
3. CB depth - I think Tavon can be a Chris Harris type corner play slot and outside. Jimmy is like Big Ben, hes going to miss games every year, and until there's good depth behind him the losing will continue.
4. No offensive playmaker - Without Steve there is no one who strikes any kind of fear whatsoever into defenses