How do you figure out what a Match and a “reach”school is when your stats are all at the top?

If she is serious about wanting to swim at a D3 school, I suggest she scour the swim rankings (and visit the schools’ athletic web sites to find times) to see where she might fit in and then start to contact the coaches at possible schools. Once you consider geography, size, and academic rankings/majors, I think you will find that only a handful of schools will fit the bill.See https://www.ncaa.com/rankings/swimming-women/d3 and https://www.collegeswimming.com/division/3/teams/