The situation is more complicated. 95.264% is the return from line pays assuming optimal strategy for bonus video poker is followed, but a player at Mansion would be the strategy for normal video poker, which would be different. I cannot be bothered to calculate it, but if Mansion publish their expert's calculations, I am willing to check it.
The strategy giving 95.264% is here wizardofodds.com/videopoker/tables/bonusvideopoker.html
Because of the bonus, situations to watch out for are where there is a marginally better hand involving holding four cards, and a less good one holiding two cards - you might be encouraged to discard more cards.
Checking four to a flush/3 to a royal, the strategy with TQK, the lowest hand ranked above a 4 to a royal with two high cards is to hold the TQK. Checking with winpoker, this is indeed correct.
So there is no encouragement to hold 3 cards rather than 4 to get the bonus here - holding TQK is correct strategy
Checking 4 to a flush vs high pair, high pair is correct, so no cost here.
Next example is 9TJQ mixed suits, plus a pair of 9s or Ts.
Here correct strategy is 9TJQ for a return of 0.8085
But bonus poker says hold 99 or TT, for a return of 0.650
The same thing for 89TJ with a pair of 8s, 9s, or Ts
Correct strategy is 89TJ, for 0.74468 return
However, for Bonus poker, you hold the 8s/9s/Ts, for 0.650 return
For a T high outside straight, or lower, correct strategy gives 0.681, but holding pairs gives 0.650
Other wrong things:
suited JQ ranked above JQKA mixed: 0.59574 vs 0.53802
3 to a straight flush, spread five ranked below garbage. Cost = 0.4088 vs 0.3123
3 to a straight flush, spread four, ranked below JQ unsuited. Cost = 0.49028 vs 0.46538
So the differences are very small indeed. There is no way that these few strategy differences add up to 1.7% loss (the difference between what Mansion claim and what WoO says) - when the bonus on cryptologic bonus poker is only worth 3.2%, there is no way in hell that a few minor changes to strategy are (a) costing 1.7% off the return of the line pay, or (b) if they are costing 1.7% increasing the bonus pay by more than that one.
Mansion got it wrong.
Twice.