The people on the forums or on discord servers are likely to be the more serious players and hence probably higher level and members of fully active guilds. There are tons of people who just log in and play a bit and are not likely to be on here or discord. When asking on these places it is not representative of the total player population. Taking that into account 5% is far more reasonable than 90%.
EA/CGs problem though is the tie percent among people who spend much money. That indeed may be very high.