The comparison table is /assets/data/opex-benchmarks.json. Its _meta says these are illustrative national mid-band ratios commonly cited in IREM / NAR landlord surveys — not market measurements and not metro overlays. Verdicts are below / in-band / above that published-style range.
Your percents are simple arithmetic from the numbers you type. Florida insurance or Texas taxes often sit above a national mid-band; that is a known regional pattern, not something this file measures.
Maintenance in this comparison is recurring repairs. Capital replacements (roof, HVAC) are a separate reserve: CapEx reserves per unit.