It sounds to me like you need to build some lean muscle mass, Erin. Check this thread out - it will answer some questions.
http://forum.lowcarber.org/t31955.html

For % of body fat any formula or calculator will only give you an approximation - keep that in mind. Your best guage is a second pair of objective eyes - or a photograph. They don't lie.

You can play around with this site for a rough idea of % of body fat.

http://www.users.voicenet.com/~petr...ss/ckdcalc.html

Nat