I would also say that after vault, Lee, Chiles, and McCallum had to respond immediately to what was likely a shocking moment of Biles balking and the aftermath. They had to refocus right away, but there was likely some uncertainty right after Biles left and of course Chiles finding out she had to do bars and beam.
I know that Jordan fell on floor but had she been focused solely on floor exercise and not having had to do bars and beam, which she was not expecting if her routine would have been different.
As it was, the US team knew gold was lost after vault and they they had no chance at anything but silver at that point. Even though Russia did make it interesting after beam falls.