There is no "stone saturation point". As long as the spaces between the rocks are filled with cement, you're good to go. You don't have to do the flat face rock in the form. The highest percentage of stone you can used is flat dressed stone, and mortar them together like bricks.
Normally aggregate is added to the cement. It adds strength, and takes up volume. The maximum size of the aggregate is based on the thickness of the stab/structure being poured. You don't want the aggregate to bridge, and leave voids. What you need to do is to manually add the large aggregate (rocks) as you go. I would lay a thick bed of cement, drop in the rocks, and tamp them down until they hit the bottom/earlier rocks. They should bed themselves, and squeeze out the excess cement. You should get good contact between the cement and the rocks. Add more cement, and then more rocks. Repeat ad nausium...
Michael