:thumbsup: The utilities transformer may have a few windings shorted and is only giving you 98V on the one leg. It's also worth double checking the neutral and ground connections, and bonding of the two, in your main disconnect.
Don't mean to go on a tangent unrelated to OP's issues, but....When there's no current flowing (i.e. all loads unplugged or off) there is no voltage drop across any resistance (be it a load or bad connection). Try this (actually don't): Lift the white wire on a lighting circuit, turn the light switch on, light will not shine but you can measure 120V from the white wire to ground, because their is no current flowing and no voltage drop across the lamp or anywhere in the circuit. If you now touch the white wire (which some electricians will do/have done because they think White=0 volts /grounded conductor) they will be touching a live conductor. The 120 volts is now split across the resistance of the light bulb and the resistance of their body which completes/ forms 2 loads in series to ground. This is why all multiwire branch circuits that share a common neutral have to be feed from a multipole breaker or breakers with their handles tied together, so that you turn off all breakers associated with that common neutral.