93ms latency (lag). That's pretty awful. Poor latency kinda defeats the faster speed. Did you run the test a few times, maybe it was a 1 time fluke? Latency should be around half that. Very surprised. BTW, T-Mo 5G is lowband 5G which is basically just LTE (4G) sped up by 20%. They haven't done any mid or hi band 5G other than in a few blocks in a few major cities.
I get 97Mbps down 20 up (4G LTE) on an old iPhone 7 (latency 48%, ping 20%) on a prepaid carrier Total Wireless, using Verizon towers from my L/R. We likely won't see "real" mid or hi band 5G here in any of our lifetimes. They can put whatever they want on the indicator.
It's all for the advertising.
Waiting for the iPhone 12 PRO Max to come out. I had sold my 11 while prices were still up.