101 means you need more Vcore to stabalise the overclock for the given task your trying to get the CPU to do.
What are your other settings??? have you tried the 125 strap to get your 5.0ghz often CPU needs less Vcore on this strap. You could also try slowing memory speeds down again that leads to a reduction on Vcore.
I would go 39 x 128 if I was you and see if this helps Vcore and stability.
I will give 39 x 128 a go.
Is there anything else I should be looking at like LLC.
I only oc to run benchmarks for normal use I use the settings in my signature. What I am trying to do at the moment is find a way to add about 300 or 400 points to my 3dmark11 pscore.