Your process sounds fine although I'd agree with the others that if you are aiming for 22L then the strike water is too high. My strike water is usually about 10/11 litres more than the intended batch size. You could try mashing for 90 minutes instead of 60. I don't think a finer grain crush would make improvements although you might as well try it and see, but a coarser crush may well do. In my case a finer crush made things worse, but a coarser crush improved my efficiency. Doesn't sound like there's any problem with your hydrometer accuracy, so that's not the issue.
I think your Beersmith settings are off, but they wouldn't be causing ****** extraction during the mash. If the extraction was better, you'd still end up under the OG due to the increased volume, but it would only be a few points, not 20. The wizard is great for setting up equipment profiles, but you need to use real world numbers that you measure in your own brewery. Measure how much volume you have pre-boil, your boil off in litres per hour, measure how much trubby **** you get in the bottom of the kettle etc. Beersmith won't change the batch volume to increase the OG, it will increase the grain bill. You have to change the batch size manually. Take a gravity reading pre boil as well as post boil.
I think low 50s efficiency is way too low even for BIAB; it's not expecting too much to get it up to the mid 70s, and it can be done quite easily. I'd be pretty annoyed if I was using 5kg of grain to end up with a bloody light beer. :blink: