95% seems on the high side but at the same time I would think that if he is doing the AoPS pre-Algebra he should be able to do that without too many problems. The issue might be if he gets a 92%.

I would then respond that I can see that he might have a small gap, but I could not imagine him sitting through an entire year to fill it and instead try to see what he missed to sort if it were careless or a true gap.

We went through a similar exercise with DS and ultimately he ended up doing independent sturdy during his math period and used AoPS. Good Luck!!