That’s usually a local issue. After a free update to 1GB, I couldn’t get a quarter of that. Updated my modem from DOCSIS 3.0 to 3.1 and doubled speed, but it was still only half. Tech jacked directly into my modem and got full speed, every test. I saw it with my own eyes, and I used to be a field tech.
It was a legit test.

Almost every issue I went into a home to investigate turned out to be a problem between the telephone pole (or underground pedestal) and the back of the modem. Even something silly, like the barrel in the wall plate, can make or break a connection.

I suspect my pfSense router isn’t keeping up. It’s a nice Netgate rack unit, but it’s fairly old. Haven’t tweaked on it yet. Also, got some squirrel chews on the arial, need that replaced before I bang my head.