Race Day Fees

First off I want to say that my wife and I have enjoyed our MRH experience. I’ve read some of the other negative reviews from owners wondering why they aren’t getting much money back from a horse that finishes in the money. I understand the standard takeout of 10% of the purse for the jockey, trainer and MRH. What isn’’t clear is the other takeout which has been identified from some of your notifications as race day fees (standard jockey fee, pony to post, race day insurance, etc). Please explain those fees in detail and explain why those fees are more for a winner than for a horse that runs second or third. It seems to me that those fees should be the same whether the horse runs first or last. Thank you