Hi Rob,
The J/92's (standard keel) rate 105 and the Olson 30's rate 99 here.  These are well-established ratings (lots of boats over lots of years).  Downwind the Olson 30's usually beat me because they're lighter and can sail deeper.  We're closer upwind but my 92 has a standard (deep) keel, so you're at a disadvantage there too.  Your boat would rate at least 111 here - at least 12 sec/mile slower than an Olson 30.
When you feel like you've sailed a good race, see how many seconds/mile you'd need to finish even with them.  If it's much more than 12, fixing the ratings won't help.
I sympathize - there's an Olson up in the river that wins virtually every beer can race at his local club.  The club (not PHRF) has lowered his rating a couple of times and he still wins.
My club (down in the Bay) is loaded with great sailors but they take a different approach.  For beer can races they don't keep score and instead they hand out prizes for other stuff - number of juniors aboard, best performance in street clothes, whatever.  It seems to work better that way.
Bob J.