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I'd say you can't. If all the coins are the smallest possible without pennies, they must all be nickels, and 21 of them make $1.05 . So in order for 21 coins to be not more than $1.00, there must be some pennies.
40 pennies 8 nickles 2 dimes
you can make 40 cents withiut using pennies 7 ways
30 pennies, 4 nickels and 5 dimes.
Using pennies, nickels, and dimes: 85 pennies 1 nickel 1 dime Total = 87 coins.