As a general rule: If your handloads don't outshoot "value-line" ammo, you have room for improvement in your loads.
Sounds like you are doing just fine, and welcome to the addiction!!!
What really perplexes you is when your new rem. 700 30-06 rifle will put three shots in one 40 caliber hole @ 100yds for three different people using the 'ol green and yellow boxed 165 core-locked load.
Now just HOW am I supposed to beat that with "good" brass and a wizz-bang bullet?
I'll equal it I hope, but beating it's gonna be tough.