You have only 981,2% Luck, because your Hireling doesn’t have Epiphany set. You have maxed Luck on main toon (812,5%) and maxed luck on hireling (650%), so your all Luck is calculated like this:
(812,5 + 650) / 2 + 200 + 50 = 981,25%
Always take a look on All Stats page 8 for Luck stat on both main toon and a hireling.