Yeah that's kind of high relative to a large group of people. I've been in the same boat. My max was 215. Most long group rides I'm averaging the mid 160's. I'm 29 and weighed about 170, now down to 155.

I started some zone 2 work over the winter and I think my max has dropped although I haven't fully tested it again. When my weight dropped, so did the work my heart had to do.

I have my Zone 2 set from about 70-82% of max, most people set Z2 from 70-75%. It's personal preference and based on comfort. I think I pulled those numbers of mine of a bike radar page. They seem to work well for me.

I wouldn't worry about it, enough riding in Z2 will start to bring your HR down.