Accurate classification of physical activity (PA) intensity is essential for exercise prescription, rehabilitation monitoring, and evaluation of guideline adherence; however, widely used wrist-worn accelerometer cut-points may substantially misclassify physiological intensity. This study evaluated absolute accelerometer thresholds during a maximal 2400m run in military office workers and examined whether individualized cut-points improve agreement with physiological intensity. Seventy-four military office workers completed the test while wearing a wrist-worn ActiGraph GT9X Link and a chest-worn Zephyr BioHarness. Participants achieved near-maximal physiological effort, with peak heart rate averaging 187 ± 11 bpm (95 ± 4.2% age-predicted HRmax). Despite this high intensity, absolute wrist-worn cut-points classified only 34.5% of participants as performing vigorous activity for most of the test. Individualized cut-points, derived from each participant’s individual reference intensity, calculated as the three highest consecutive one-minute epochs during the 2400m test, substantially improved validity. Agreement with %HRmax increased from fair (κ = 0.31), using absolute thresholds, to good (κ = 0.74), using individualized thresholds, and intraclass correlation increased from 0.52 to 0.81. These findings demonstrate that absolute cut-points markedly underestimate high-intensity activity, potentially leading to inaccurate exercise load monitoring and misinterpretation of training intensity. Individualized calibration during a standardized maximal running test provides a feasible, scalable strategy to improve the validity of intensity assessment using wearables in occupational, clinical, and sports settings.