Okay, I think I've solved it. The light meter on the PEN FT is not known for accuracy, but being 50 years old it needed some work too. The exposure was inconsistent by about three stops. Combined with the Microphen that just didn't work and the negatives were washed out. I'll just post this one because a lot of them have people in.
View attachment 286397
Luckily the light meter seems to be mostly linear and I just removed the shutter speed dial and set the meter 3 stops away from the shutter mechanism to bring it back to readings that correlate mostly with my OM10, which is reliable and much newer.
I'm getting the feeling that blaming the developer/film combination isn't the way it works, so thanks for that feedback.
I will probably double check the exposures on the camera with a manual light meter for a few weeks and I will eventually post a successful frame with Microphen.