My 995 has shot sub 4" 3 shot groups at 100 yards with iron sights and 3 shots in a 1" square @ 25 and 40 yards consistently with Federal Champion 115gr FMJ from Walmart.
I have also shot 5 and 10 shot groups too. The groups tend to open up a bit once the barrel gets hot. YMMV and greatly depends of who is squeezing the trigger.
The 995 is not a surgical scalpel @ 100 yards. I have those types of centerfire rifles too. And they definitely didn't cost $209 + tax NIB from Cabela's. Though I have gotten some nice used 30-06 rifles for a little more.
BTW my Keltec sub 2K or my Beretta Storm both shot not quite as good of groups with irons at the same distances. Hence why I have a 995 and 995TS. And sold the other two. Spending more money for worse accuracy doesn't make sense to me.
Walt