A 5% service fee (with a minimum of $5) is included in the price of your product. This covers all money transferring fees, price monitoring, order processing, and standard shipping fees.
The breakdown for your total savings target is:
Retail price for the item + Taxes + 5% service fee = Total
When you are creating your Reel, there is a full breakdown of the savings target if you click the drop-down arrow next to the total price and you can always find this breakdown on the savings tab of your Reel in your My Reels page.