So, you're taking 5 mile trips, with a lot of stop signs along the way. Let's say it takes 2 miles for your car to warm up to operating temperature (I have no idea how long it takes, but lets just use 2 miles), then 40% of your trip each time is with the car still trying to get up to temperature, and not giving you good fuel economy. The EPA's 25MPG city rating is based on an 11 mile trip, so the engine is warmed up for a longer time.
Also, it sounds like you usually have several other people in your car. Extra weight might not make a huge difference, but it certainly doesn't help the FE.
So, considering these things, it sounds like you're doing a great job getting anywhere near EPA. Most people who get way over EPA ratings drive mostly highway, or rural roads where they can safely go slower, and practice 'extreme' hypermiling tactics.
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