With the core ratio at that voltage, you probably have an above average CPU. The pre-programmed boost works for many CPUs, but is the right setting for very few that are average or just below. You can leave it with the settings you have, but when speed drops it needs less voltage, power and heat. The guides - the ones I cited and others on the subject of offset power - can get you to either higher clocks or lower voltage.
The general process starting where you are is to lower voltage in small steps until some stability test fails - usually a blue screen.
The other way is to raise the ratio, then step voltage up taking blue screen after blue screen until a stability test passes.
Raise the voltage to a point where the test passed and run normal operation for a while - the real stability test is in doing the things you normally do. Power saving can be had by enabling EIST - speedstep, which you may already have, turbo and offset core voltage mode. Core voltage would then track CPU load.
Unfortunately there is too much variation among Haswell CPUs for OC profiles to be interchangeable. I can't tell an exact figure for either voltage or ratio that will work on your CPU. Most of the
... fun of overclocking is homing in on the right point for that one CPU.
Jeff