I'm sure jm and of course, Lazarus have collected their own documents from the Board of Studies (publications, tables, lists) as well as UAC publications, documents, releases and the like. Although I can believe your school collecting internal assessment marks, and comparing them to the moderated assessment marks, this is only 'half' the story.
Your school, in giving you that 5-mark 'buffer' would be the same as JUAIseeker giving you the same buffer, although the range values depending on the marks entered and of course, scaling procedures. Nothing is ever guaranteed (or certain) for that matter, until the UAIs are released. In my opinion, this seeker would be more accurate than your schools predictions (not the UAI prediction itself, but the 'method used', if any).
92.5 to 76
is a big jump, there's no denying it. But have you played around with JUAIseek? Maybe spend about ten minutes on it to see how your marks would vary, if you had entered say, +3 to +5 more marks in a few subjects? Perhaps your school was a little generous in predicting your Moderated Assessment Mark, or had they used your
raw Internal Assessment Mark? The school isn't even sure of your raw
HSC Examination Mark - but they will receive the Moderated HSC Marks - scaling and the UAI is done by UAC, not the board - requiring
raw HSC examination marks, to which your school would not have access to.
What I'm saying is, if you were to ask for a UAI prediction (in this section of the forum), providing your subjects, rankings and perhaps even your school (if applicable), there would be more accurate predictions given, other than "76" from one piece of software.