Diversity Factor for Sizing Electric Service

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What's normally the approximate allowed diversity factor for an existing apartment building with 42-meters?
28% where 42 meters = 42 apartments and calculating load under the 200.84 optional method.

Standard method is more complex in that no actual demand factoring can be given based on the number of meters/apartments.
 
Diversity or Demand Factor

Diversity or Demand Factor

Where do I find 200.84 Optional Method? Is that a section in NEC? If so, then, there's no section in NEC with 200.84. Please clarify. Thanks.
 
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