Consider random variables X_ij, where i is in {1,...,T} and j is in {1,...,M}. Can we compare these two statements?
Sum{over j}(95th percentile {over i} of X_ij) and 95th percentile {over i}(Sum{over j} of X_ij)
I personally conjecture that 95th percentile of the sum of random variables is less than sum of 95th percentile of the random variables. I am not sure how to go about rigorously proving it though.