If you aren't crediting 95 hrs on reserve then you are doing it wrong. I'm not going to go into details about how to work reserve but it's not uncommon to credit more than 10 hrs per day on reserve.

Here's a few basic rules I follow.
1. Don't bid during the 48hr window.
2. Out of base 200% is worth it.
3. Pick up the trips the day when the schedule hits the fan due to weather.
4. Dead heads are worth it.

It's possible but difficult to hit 115 and easy to hit 100.