If you have a flight which is performance-limited, they will limit baggage hold (checked) bags which are weighed and force you to carry that same bag into the cabin (where it is not weighed and added to the performance calculations).
I seem to recall that there are specific weights used for aircraft where the passengers are overwhelmingly different from typical adults (think of an NFL football team flying to/from a game), but that general variances among passengers do not need adjustments to performance.
To my knowledge no airline accounts for general variances among passengers leaving Mississippi as opposed to, say, Colorado. The standard passenger weights do change in the winter vs the summer to account for heavier clothing.
(The actual details of their architecture I'm not privy to).
"As a result, the aircraft departed with a takeoff weight 1,244 kg more than stated on the load sheet."
If 50 women weigh 94 kg instead of the assumed 69 kg, that difference is also reached.
I'm surprised that the 737 has such a low error tolerance.
In a sense, it's not too terribly low; the end result here was that the plane took off outside of the correct flight envelope but well within a safe and controllable envelope (given a loading difference that - back of the napkin calculation - is 2% of its dry weight).
But AAIB pursues this sort of thing aggressively, under the principle of "Don't assume everything is safe because the O-rings didn't fail if the O-rings are showing not-understood ablation."
The performance calcs are done to ensure safety in a one-engine inoperative case.
The performance calculations for all multi-engine turbojets require at least a balanced field (simplified meaning: that you can experience an engine failure at the most adverse moment in the takeoff sequence and either bring the aircraft to a halt on the runway surface [including EMAS or other stopway surface] or you can continue the takeoff and meet initial obstacle clearance and second stage climb requirements with the most adverse engine inoperative and maximum thrust from the working engine).
That's why this is a serious deviation, even though turbofan engines rarely fail. 737s do reduced power takeoffs as a matter of economic optimization. The error here caused too little power to be commanded during the takeoff.
A few overweight passengers can't do that, but a combo of too many passengers and etc can have an impact.
TLDR: 5481 crashed because the figure used as the average weight of a person for the purposes of calculating the planes centre of gravity was from before America got fat.