If sending $100, the amount that will go to fees is $5.2 and the recipient will receive $94.8. That's 5.2% going to fees, effectively.
* Using Domestic and International fee rate of 4.9% + $.30 ($3000+ to $10,000)
To receive $100, a payment of $105.47 should be sent. $5.47 will go to fees. That's 5.19% in fees, effectively.