The five percent fee is redistributed to all holders of the token. When the token was created, it was a modification of RFI, and one of the problems identified with that project was that the fee distribution did not accumulate very quickly for holders. The 5% Fee for R3FI was seen as a better distribution model. Anything over 5% did not seem favorable to long-term adoption- although some tokens are utilizing higher fees and burns with favorable adoption as well.  It is enough to incentivize holding and receiving rewards, but not so much that selling would constitute losses if the token is held for at least a short period of time.  The tokenomics help to encourage people to work within the ecosystem and Holding is all that is necessary to farm the base rewards.