Different schools have different cutoffs for the various honors. What matters is your actual GPA, not so much the honors. A 3.92 is better than a 3.88 because it's a higher GPA, not because it comes with the higher Latin honor
These study groups should have a way of verifying test scores, maybe by letting users input their latest practice exams (the more the better) into these things because as it is, this is just the honor system all over again.