Photo Flo should come AFTER the wash, not before. You're washing most of it off, and possibly inhibiting the effectiveness of the wash though that's conjecture on my part. But it's glorified soap to make the water run off smoothly and not spot. Putting a layer of soapy water over the emulsion might inhibit washing the fixer out.
In any case, I agree that your wash time is too short without a wash aid. I rinse for a minute, Perma-Wash (convenient liquid but you can use Kodak HCA or just sulphite in water, whatever) then running water wash for 10 minutes, then a final minute in wetting agent (Photo Flo in your case.) I've not used Efke but the idea that this is anti-halation dye from inadequate washing makes sense.
If so, you should be able to wash it out of the negatives you've already processed with no problem.
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