Targets mom... This way is slightly better than where Carolyn has hers. Ideally they should both attach to the bit perch where the head stall attaches... But the loop is awfully small compared to the bulk of the leather. You could make a slimmer adapter, I believe there gas been a previous post on this very subject with informative answers.
The problem with having the check attach any lower affects how the bit engages in the mouth if the horse drops its head against it or falls, particularly if the bit has a curb chain. If it's attached to where the head stall attaches, it won't engage the curb for example. If it is attached where the lines/reins attach, it will.