Looks like dust to me also, developers don't generally leave "specs" that are individual like these look, unless you've got stuff floating around in it, and in any case should wash off long before you finish the film. (Hard to tell, though, your scan is really small).
Second the suggestion on drying. You can search this forum for drying suggestions, but an easy one is to use a bathroom, remove all of the cotton stuff first, including floor mats, etc. Run a hot shower just long enough to sense some humidity (this will hold down the static electricity in the room.) Then hang the roll inside the tub, or shower stall, slowly back out and close the door. Don't go in till you know it is dry (overnight should do it).
You might not be able to do this every time, but it might answer your question about the source of the problem.
You'll find many ideas on making a drying setup. Mostly it's about avoiding low humidity and keeping the dust down, including things like moving slowly to avoid giving off dust from yourself when handling the wet film. Also, your final rinse should be distilled water and Photoflo, or some such wetting agent, dipped after the film is removed from the reel.
I could go on, but there is mucho info on this forum.