When loading a multiplayer game, the Game Options are grayed out and have been reset (i.e. they don't reflect the actual game settings). For example, if we have Fast + Locked settings for everything, play for awhile, save the game, then reload, the game options have been reset to Normal + Unlocked. They also don't allow changes; we cannot just set them back to Fast + Locked at that point.
The only workaround we've found is to load that game with the incorrect game options, save it immediately (once all players have loaded/synced), then quit out and reload that new save game. It then correctly restores the original (Fast + Locked) options.
Note that because of this workaround, in order to reproduce the bug, you do need to play the game awhile before saving.
Not sure this matters but we had 2 human players and 3 hard computers on a medium map.