After watching his Indianapolis Colts underachieve and fail to make the playoffs for a fourth consecutive season, Chris Ballard mentioned the need to add “stress’’ throughout the roster. There was too much complacency and not enough positional competition.

The Indianapolis Colts, despite a prospect at quarterback, were right on the cusp of a playoff appearance, thanks to an electric run game and a stout defensive performance all-year round. But, to take that next step,