What are you running HA on? If it’s a Raspberry Pi, remember that the network interface is a 10/100 Mb/s unit, so you can reasonably expect it to max out around 90 Mb/s to 95 Mb/s.
Exactly. I installed an USB Gigabit Ethernet adapter instead, and then my values appear correct.
Try downloading speedtest.py from this github repo - https://github.com/sivel/speedtest-cli and then run it from the command line and you should get the same result as in HA.