Stepelton completed 10 of 12 passes for 145 yards and two touchdowns, and Small rushed for two scores on 178 yards for the Dolphins (8-3, 6-1 Pioneer Football League).
Small's 2-yard run in the second quarter was matched by Drake's Stephen Platek, who scored from 12 yards out for Drake (5-5, 3-4) to cut the lead to 14-9.
After a scoreless third, Jacksonville blew the game open on Small's second 2-yard run and a fumble returned for a touchdown. Stepelton closed out the scoring on a 19-yard connection with Geavon Tribble and a 13-yarder to Small.
Jacksonville outgained Drake 368-251 and overcame three turnovers.
Who are the X-factor players in each Power 5 conference who have the potential to become major difference-makers in 2016?
Ohio State, USC and Ole Miss all have huge plans for a 2016 College Football Playoff run. But those three schools are part of a seven-team block that's good, but not good enough, for the CFP.
From QBs to linemen to a linebacker and running back, these are the guys who are keys to their teams' success in 2016.
Uncommitted QB Jack Sears took center stage in Northern California and nine earned invitations to The Opening Finals.
Signal-callers for the Longhorns and Sooners accounted for four of our top five all-time Big 12 quarterbacks.
Success and failure play a part. Too many losses, and there's the door; too many wins, and the bigger programs come calling.