It's 1:08 my time and I'm on hold with Apple Support speaking with Raymond, a supervisor.
Raymond has no knowledge or history of any problem like this and has had me try a few things of which I previously had done but did again for him.
Shut off automatic and go to set time manually. Shut iPad off.
Here's a new one: Log on to a different wifi. He wanted me to go to McDonald's or somewhere with wifi and check the time on a different network.
Luckily I grabbed a neighbors available wifi (never did that before) and there was no change.
He offered to set up an appointment at the closest Apple store to have someone there take a look but it's a 50 minute round trip and I don't know that the 3 minute error is worth the trip. Perhaps on a day when I would be in the area anyway might work.
Total time on the phone was 58 minutes. I'm still 3 minutes fast on the iPad.