Recently signed up for a 100Mb plan, and for the last few weeks, I've been testing at 20-40Mb using a very clean and short distance Wifi.
What are most people seeing interms of actual speeds vs your Plan speed ??
Try wired directly to the modem.
My wifi gets 130+, but my plan is 1000. Wired direct I see 700-800 from my machine.
Also my phone never sees more than about 75Mb, so depends on the device too.