Test Print is smaller by about 0.25" from Print Size despite true Screen Resolution

Hello, my photoshop screen resolution is correctly aligned at 111 PPI. I can put a physical ruler up to my monitor and it aligns perfectly with the photoshop ruler on the Print Size image. However, on a 3"x4" photo test print, the image printed was scaled down by about 0.125". On a 7"x9" photo test print, the image printed was scaled down by 0.25" on both length and width. I imagine even larger photos will see the margin of error continue to increase. On the Print Menu, Scale to Fit Media is unchecked and the print resolution matches screen resolution. In effort to save toner, I do have the setting to print in Draft mode if that matters. If physical ruler matches photoshop ruler on the print size image, I'm assuming i've done everything correctly. I am on Windows 10, Photoshop 21.2.1. What am I missing?