The top of the eggs reading 101 F is Ideal, however, it doesn't have to be perfect. In most cases, adjusting temperatures is what causes disasters. So unless the temperature is way off, I don't recommend you mess with it. If my temperature get's below 98 F *and stays like that for 24 hours*, I'll turn it up a notch. If my temperature gets above 102, I'll go ahead & turn it down just a tad - only because high temperatures are more disastrous.
Remember that when you add eggs, the temperature most likely will drop. Sometimes it drops for a while - that's okay, don't turn it up. It will eventually get back to where it was before you added the eggs.
Did you calibrate your thermometers? Chances are neither are reading accurately. I lost an entire batch of eggs a couple years ago to a bad thermometer, the eggs would have been fine had I calibrated and realized the thermometer was actually reading 10 degrees off.