Haven't got my HR spreadsheet on this PC, but this does the same calculation.
So from what you've given above (max 178), you've spent 3hrs15 in Zone 4, with some sections at Zone 5.
So, to me 100k in 3hr15 is quick! (I'm assuming your were on a MTB too!)
That amount of time in Zone 4 is pushing it. That's race pace for most people.
Did you hammer it all the way round your ride?
I would have to guess that 178 is not actually your Max. To set Max on a hill you need to find a hill that will take you 10 mins, push it, and sprint the last bit….(rough explanation)
What's your heart problem anyway! 🙂