ummmm, I have a very dumb question...

can someone explain to me the pool information, as in pool fee (1%) - reward for miner (5%) - reward for direct contributions (1%).  I understand the pool fee, we are paying the pool owner for the pain in the ass keeping the pool up, electric and so on.  reward for miner:  Is this the amount me, as a "joe miner" is making??  what is the reward for direct contributions??  Also where is the other 85% going??? Sorry for being a noob cake..