I figured out the problem its a bug in msi afterburner and boinc if you have msi afterburner open then dnetc wont go above 78%. Can open and close msi afterburner and watch the gpu usage change in gpuz from 78 to 99%.
Yeh, I found the same thing about a month ago. The nice thing is if you check the apply settings at system startup then it will adjust the card but not launch MSI AB so the card will start full bore. You can then use the BOINC start with system option.