I didn't realize that Allow background usage toggle had the Optimized and Restricted options hidden on another page behind. I was originally looking for the unrestricted option and assumed the generic "Allow background usage" toggle replaced it since there is no indication that there are settings behind it since it's just an toggle option and no 3 dots like you mentioned. I hate that design decision but that's another topic. This morning I clicked the "Allow background usage " text and enabled the "Unrestricted" option but termination after switching to a User profile still occurred. I rebooted the phone in case that helps but nothing changed from that either. Probably a more interesting troubleshooting or debugging opportunity here because it's as if the Unrestricted battery usage option was not being applied.
I ended up creating Molly backup, uninstalling, reinstalling, enabling Unrestricted battery usage, and restoring the backup which seems to have worked. I don't know why toggling the Unrestricted battery usage option didn't work previously but the issue is gone now.