I figured mine out. when i swapped the gears the two inner most gears do not come in kit. I had the two inners from something else, I swapped the two inners and added two 48x12's and I am right on the money with odometer.

Did some more checking on speedo and found it was acrooss all speeds 2mph, so while i had it apart, I twisted it just a tad, and it is now right on as well.