Given the fact that your SP101 "shoots like a dream", I wouldnt give it a 2nd thought- unless you have been shooting some Killer Rex Load out of it. Ruger has said many times that accuray is not something that you can predict; some guns are, some guns arent. Some guns that should not be accurate, are not. Some guns that should be accurate are not. They never came up with a formula. According to "Ruger and His Guns". If it shoots, it shoots.
Funny thing that I notice is that many people prefer the SP101 over the GP100. Count me amoung them. I consider the SP101 one of the very finest handguns ever made.