Hi Alan,
If I'm understanding you correctly, you're trying to understand why your Overall can be lower than the individual scores?
Overall is a separate question, not an average of the others. If you receive 5-stars across the other categories, but a lower score for overall, it can mean that the guest was dissatisfied for something outside of what the specific questions covered.
For example, I had one guest that rated me 5 in the communication, value, arrival, etc. categories, but a 4 overall - she also mentioned in feedback that they would have liked a TV (I prefer to host with games/books and fewer screens - less stuff to break) and a traditional coffee maker (I just have a Keurig). It didn't affect accuracy (she got exactly what the description said), cleanliness, etc., but did affect her overall experience.
So long as you check your reviews as soon as you receive them, you can deduce how guests rated you. When you receive a string of 5-stars it'll say "Your last __ ratings were each 5 star" - as soon as you break the streak, it'll say something else.
I keep track of mine in a Google doc, so I know who gave me a 3 or a 4.
It's easy to get tied up in knots over the ratings, but try not to sweat them- you'll never please everyone. If you hear something a couple times, or it sounds like good advice (I agreed with the guy who said my wi-fi was too slow, so I upgraded it), see what you can do to resolve/implement it.
Some hosts ask for feedback if someone left a lower score. I'm not so comfortable doing that, but perhaps it's all in the approach 😉