You should be able to distinguish between the 95% and 100% patches in the above grayscale. If they appear to be the same, then contrast is too high, and highlights are blocked. Most monitors work fine with contrast set at 100%. If you find this too bright, or highlights are blocked, decrease contrast and recalibrate the black point.
The sRGB standard specifies a color temperature of 6500°. Most monitors have provisions for setting color temperature using on-screen menus. You may find 6500° a bit warm. Feel free to adjust this value so that whites are white on your monitor.