Audio volume drops when zoom meeting opens

[CDVWSG]

Probably duplicate but I'm not seeing any solution that works.  Audio volume is fine on my laptop across multiple programs until joining with computer audio to a Zoom meeting, then volume drops.  I have the speaker volume at Max and have turned off, unchecked Automatically Adjust Microphone Volume, and set Audio Profile to Zoom Background Noise Removal to Low (although I have tried Auto, Medium and High but no change).  Why does Zoom automatically change the volume?  What else am I missing?  I don't seem to see any other fixes posted other than the uncheck auto adj mic volume and that doesn't fix it.  The laptop is 3 months old running Windows 11 Pro (although I had the same problem with the laptop this replaced)

[storyhub]

Computer audio is complex and there are multiple volume controls and audio enhancement functions that need to be adjusted or turned off. Without a specific model number it is not possible to know what features are present. However, Win 11 does have multiple volume controls for Zoom under System > Sound > Volume Mixer > Apps that are independent.

[CDVWSG]

I've done all that - opened volume mixer, sound settings, audio settings in Zoom - everything is at full but volume drops more than 50% as soon as zoom meeting starts - also I am seeing 3 entries for zoom (all exactly the same) listed under the volume mixer - why 3????  connected a Bluetooth ear bud and saw no drop in volume there - only happens with windows audio!