Are you using megaBYTES / second? Or megaBITS / second? I generally use MB for megabyte and Mb for megabit (and mb for millibit - a quantum concept related to quarks).
You can't get a sustained transfer that's faster than the slowest link. In the past, USB2 was the slowest link, but USB3 is much faster.
If you are getting 100 megabytes/second, I'd guess that the limiting factor would be the drive in your external drive. They tend to be 5400rpm "green" drives, which aren't the fastest things around. The RAID should be able to deliver a higher rate, and so should the USB3 connection.