That's .10 min, not .10 max. If you have 1.50 left, you get 1.50 out. The limit is there because there is no registration for the pool. You don't want someone making up a hundred thousand bitcoin accounts, submitting a hundred thousand shares (each worth 0.00005702 BTC), and costing the pool 50 BTC in fees to pay out 5.702 BTC in rewards.
I nor anyone else would want the pool to incur those fees. Wouldn't it work to have minimum payout be .01 BTC after say 3 days inactivity and if the balance due is < .25 then the receiver pays the transaction fee out of their BTC due balance?
How are you computing the efficiency of improvement?
There are slightly different formulas for different pools. Some you can figure out on your own, others are more clever.
Seeing as the 5% fees are directly tied to your efficiency algorithms doesn't it make sense to disclose what those fees are based upon?
I realize you have a right to make some bitcoins off of your time and hardware. I am not disputing that. I'm just trying to understand when and how those 5% instances are determined.