Bonus timing and session outcomes
Each spin lands symbols on the 5x3 grid, and the bonus round, Free Spins, starts only when three or more Scatter symbols appear. How often that happens is not known in advance. The result of one session is random whatever the RTP, so a single session can end well above or well below it.
Every spin on the reels runs under one RTP version, and the game rules are the only place that names it. The RTP figure describes return over a very long run, not the outcome of any single session.
Symbols on the reels seldom line up the top prize, and the maximum win of Big Bass Bonanza is a ceiling reached very rarely. It marks the most one bet can return, not a target to aim for.