This morning for fun -- I have a weird idea of fun -- I took a look at our men's 3.5 leagues in TR. There are 58 rated players. The ratings have a roughly normal distribution, but the median and average are both 3.15. The 75th percentile is only 3.28, and there are only 5 players rated 3.40 and above. Of those, one is a self-rate with only 2 matches, one is a recent bump-down, one was a self-rate last year and hasn't played any matches this year, and one was a self-rate last year that plays more 4.0 matches than 3.5. So these guys are all somewhat unusual.
So it seems like there is a -0.1 shift in our ratings compared to what I would expect, and almost everyone who has been in the league for a few years without playing up is 3.39 or lower. I'm not sure if this is an intentional effect to model regional variations or if it is something that has just happened as a side-effect of their ratings calculation.