As you say, just slightly off.
1. Was the sample taken fasting? If no, repeat after fast. If normal, go no further. If yes....
2. Check your diet for high cholesterol intake.
3. Try 3 months of a cholesterol reducing diet and repeat test.
4. Do/did your parents or siblings have high cholesterol?

If diet does not reduce levels and/or there is a family history of high cholesterol, then start Statins.