If sending $1,118,981, the amount that will go to fees is $21,260.74 and the recipient will receive $1,097,720.26. That's 1.9% going to fees, effectively.
* Using Domestic fee rate of 1.9% + $.10 (QR code - $10.01 and above)
To receive $1,118,981, a payment of $1,140,653.52 should be sent. $21,672.52 will go to fees. That's 1.9% in fees, effectively.