Make sure you are not using the MCA (minimum circuit amps) as the loads. It's kind of a pain, but in circumstances like this, where there are a lot of mechanical items, it makes sense to break out all the fans, compressors, heaters etc. using RLA for compressors and FLA for fans. Make sure you are using the kW heater rating for your actual voltage (i.e. 208 vs. 240). Add up the actual connected loads and do the 430 Part V maths.
Also, non-coincident loads may be significant. Use the larger of a heater or compressor for example.
But arbitrary diversity factors have no basis in the Code.