That means that 3% of players on active rosters are above 95 overall. If the lowest overalls are even as low as 30, that is putting 3% of the league in the top 7% of ratings. This seems alright when you first look at it, but really it should follow more of a bell curve with the largest portion of players by far fitting into the middle portion of the ratings. I really think it should fit somewhere around the following list:
30-35, 1%
36-41 3%
42-47 10%
48-64 15%
65-71 21%
72-78 21%
79-84 15%
85-90 10%
91+95 3%
96+ 1%
That means in that 10 category you would have around 16 players, near 50 in the next, around 5 or 6 per team in the next so an average team should have around 7 or 8 players above 85. That makes around 237 players in that 85+ area. There are what, 100 or so pro bowlers every year plus some who should go or some who decline. These players and those others in contention for those slots should go in this area.
The 79-84 area should be pretty much all starters or at least players who would start on most teams and can be solid starters. By here you have about 15 players per team (including all levels mentioned so far) so good teams with a lot of depth like pitt or NE might have 20 or 25 players in this area. Teams like detroit however will bring it back down to average by only having maybe 4 or 5.
The next 2 areas should be the bulk of most teams. The top half of these should be your average starters. An average team should have 26 or 27 players at this level or better meaning their starting lineups should be filled out with a quality backup or two. The bottom half of this are players who are considered weaknesses as starters but can include players who can contribute sensationally due to a unique skill set or who can be solid backups and fill in.
The bottom few groups are guys who probably should never start and if they see any time it is because of injuries or because they have a special skill set that allows them to make an impact. These guys will generally play special teams and fill out your roster. Most late round picks will fall into this area but some should have the potential to move out of this range.