Sounds like your humidity is too high. Research dry incubation method. When the humidity is too high the chick grows too big and cannot hatc itself therefor dies in the shell fully developed. Usually you'll get chicks that can pip but can't turn to zip the shell so dies with only a hole. It can also happen like you described but less often. If possible try to run the humidity in the high 20s to low 30s till lockdown then up it. It especially happens with Styrofoam type incubatorsDuring incubation I have the humidity at 50-55% and then the last 3 days I’d have humidity at 60-65%. Temperature at 99.8. My incubator has a fan.
And the shells that I opened had fully developed chicks a bit moist but not overly so.