Evidently the USCG disagrees with you.
On August 1, 1973, the USCG effected a regulation, Title 33, Code of Federal Regulation, Section 183, requiring all monohull boats under 20ft. (except sailboats, canoes, kayaks, and inflatable boats) carry a plate posting the Maximum Weight Capacity, Maximum Persons Capacity and Maximum Horsepower Ratings. Boats constructed before this date may have these items posted but may not be in compliance with CFR 183.
These capacity plates can be found near the helm. These plates are yellow with a silver/gray background. Boats that are under 20 ft. have capacity plates labeled "U.S. Coast Guard Maximum Capacities". Boats up to 26ft carry just the "Maximum Capacities" wording.
Boaters are required by law, to obey these safe loading capacities posted on these plates. In addition to the USCG approved weight, load, and horsepower capacities, NMMA Certified boats also list other standards by which they are certified which may include navigation lights, flotation, maneuverability, compartment ventilation, steering, fuel, and electrical systems. U.S. Coast Guard accident statistics show that capsizing and falls overboard, due to improperly loaded or overloaded boats, are the most reported types of fatal accidents and account for over half of all boating fatalities.
The USCG just changed their formula as well because we as a group are getting fatter. That may explain your 3 person rating as opposed to the older boats having a 4.
TOXIC