Both things are true. Beane hasn't brought in enough elite talent around Josh and Mcd is prone to getting outclassed by the best coaches in the league.
I think while we lack very high end talent we're full near the top of the league in good players. Groot is an example. Good to very good, not elite. A bit hard to explain, requires a bit of nuance. In madden terms we have a lot of guys in the 80's but few in the 90's.