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If a player fails to do any sidequests, they'll be about level 85, if they do all sidequests, about level 88, when they get to the part of the story where they have to fight Regina. The mission before Regina is level 75, while story Regina is 90. This seems to be an oversight that stops players from hitting endgame, as hitting endgame is what the devs want new players to do.
The only thing left to do is grind that one lvl 80 Ben mission, or grind Raids like Niflheim that no longer get parties due to Rise's Raid changes. Methinks that either Regina story mode was supposed to be level 75, or there was supposed to be an extra exp gift somewhere, but nonetheless the devs' policy of "story to endgame" fails in the face of this level gap.