The biggest problem is Ferg is in the way and Pollard runs right into him.
This was a bad job by Pollard. First he cut back inside which allowed the Phins to get a hand on him. Second, he was not running full speed. Thirds, he did not lower his head and fight he way in. Just a bad job all around for him. He should have turned on the burners and headed for the pylon, then dove in if he had to.
But even with this bad run, they were on the 1 ft line. Fumbling the football as they did was inexcusable. I have no idea what happened there but you see that happened to bad teams, not playoff teams.