Everything rsmurano said is spot on. Looking up the modem being used here, it is an older modem with only 8x4 channels and is limited in the speed it can provide.
The weak link currently here is the modem - replacing that should provide the paid for speed... assuming the devices connecting have the latest wifi cards in them.
I use a mesh system (Netgear Orbi wifi 6), and subscribe to 1GB service. I get 1GB hardwired, and anywhere from 700MB to 950MB wireless depending on where I am in my home or yard. I live in a concrete poured wall home, so this knocks down the signal signficantly outside.
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