Sounds like you have "too much pitch" amongst any other potential issues.
I believe the WOT range on that motor is 5000-5600 rpms. If you are only getting 4900 with a practically empty boat your motor is working way too hard to try and turn the prop. What's it doing with a few passengers/junk on board.
Minimally I would suggest you should be running nothing more than a 21 pitch (same diameter) given your numbers.
It's a MYTH that MORE PITCH = MORE SPEED, unless you are running way too little pitch in the first place which is preventing you from running full throttle without over-revving.
You are not making your WOT range so the motor is "loading up" trying to turn a prop that is too big.
High heat/humidity that you get in the summer compounds the problem since the motor can't breathe as well - this often shaves another 10% off the performance, which in some cases could require running even less pitch than you would in the spring/fall.
Anytime you can not get your rpms above 5000, and on this model I would shoot for 5250, it is not producing max horsepower and it could possibly damage your engine.
This still wouldn't address your bow profile which must be caused by something else - weight balance would be one possible cause, soggy hull would be another.
Again I go back to weighing your boat. If you have two identical boats with identical motors, rigged the same carrying the same amount of weight but one is significantly outperforming the other then you have an undetected weight issue or some anomaly in hull (which could be a hook in the hull - crustaceans or other cooties on the hull etc).