Help with EV/House Edge on BJ 21+3 TOP 3

I could use some help crunching some numbers. I've been trying to figure out the EV and house edge for TOP 3. In order to play TOP 3 you have to play the the 21+3 side bet. Minimum bet for 21+3 is $5, max is $200. TOP 3 minimum bet is $1, max is $5.

21+3: Straight Flush, Three of a Kind, Straight, Flush all pay 9:1. All other hands lose.
TOP 3: Three of a kind suited pays 270:1; Straight Flush pays 180:1; and Three of a Kind pays 90:1. All other hands lose.


I'm getting an EV of -4.032. But that seems like it's unusually high. I ran my math with both side bets together. I'm stuck with where to go from here. Since we know that just the straight 9:1 verison has a house edge of 3.24% from Wizard of Odds, I know I shouldn't be getting worse figures when I try to just calculate the returns for 3oak paying 90:1. A little help would be appeciated. Thanks guys.

In the UK you don't have to bet the 21+3 to make the Top 3 bet - also the typical ranges are £1 to £10.

see http://www.ukcasinotablegames.info/blackjacktop3.html
https://wizardofodds.com/games/blackjack/side-bets/21plus3/
(then subtract the figures for suited trips e.g. 13*(24*5*4/6) for six decks)