Three inches at 100 m is good, the 10/22 was not designed for target shooting. The Ruger 10/22 is a rifle designed for pest control and the accuracy you are getting is totally adequate.
I think that 100m is starting to stretch the capabilities of the rimfire round especially subsonic. If you use dial up scopes you can extend on this range but energy is falling off badly as range increases.
Out to about 70 -80 meters they work well. I Have shot thousands upon thousands of pest animals with the several I have owned over thirty odd years of pest control I was involved in so nobody will convince me they are shit, I still have one which has seen a lot of use and it still shoots as it should.
I think as a pest control tool they are the best on the market, ideal for on a motorbike using a scabbard( nice and short), easy to clean, function well with subsonic, and are more than accurate for there intended purpose.
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