100 Mbps plan getting 30-40 Mbps

So, after hours on the phone re-negotiating plan, we finally are set.

Last couple of days have noticed a bit of lag on downloading basic photos, etc - not even video.  Started doing download speed tests - all are in the 30-40 Mbps download speed ... upload consistent at a solid 10 Mbps.  Downloads used to be 100-130 Mbps ... both before and after I replaced the EMT modem with a straight modem.  I checked on and off for several days and always 100-130 Mbps.

Did a modem reset, and stayed the same.

What should I do now?  My plan is 100 Mbps and while I can see various load factors affecting it a bit once in a while, consistently running at 1/3 the rate I am paying for is unacceptable.