100,000 miles is a long time, but so much depends on where you drive and the condition of the engine.
If they were to assume you would drive in "light dust" conditions, they should be basing it on holding 4mg of dust per Hp per hour of use at maximum power.
So if that is the 130 Hp engine, and you accelerate at maximum power for an hour, the filter is assumed to retain 520mg of dust in that hour (0.018 oz). So figure out how many of those 100,000 miles are at full throttle, where you drive, etc.
But in the real world, EVERYONE should have a restriction gauge and just change filters when it turns to orange or red. So if it comes with the indicator, do what it says. That is the first thing I added to my Grand Cherokee when I bought it.