We study the behavior of two-dimensional electron gas in the fractional quantum Hall regime in the presence of finite layer thickness and correlated disordered potential. Generalizing the Chern number calculation to many-body systems, we determine the mobility gaps of fractional quantum Hall states based on the distribution of Chern numbers in a microscopic model. We find excellent agreement between experimentally measured activation gaps and our calculated mobility gaps, when combining the effects of both disordered potential and layer thickness. We clarify the difference between mobility gap and spectral gap of fractional quantum Hall states and explain the disorder-driven collapse of the gap and the subsequent transitions from the fractional quantum Hall states to the insulator.