OS X what are default ownership and permissions for home directory?

In related questions I see instructions on how to set permissions. What is the default OS X permission for one's home directory. How is mine different? (See snippet):

jbenniMac:~ jbenni$ pwd
/Volumes/Macintosh HD/Users/jbenni
jbenniMac:~ jbenni$ ls -l ..
total 0
drwxrwx---@ 101 jbenni  staff  3434 May 14 17:15 jbenni
jbenniMac:~ jbenni$ mkdir test
mkdir: test: Permission denied
jbenniMac:~ jbenni$ 

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