A lot depends on your router and your environment. Some folks still connect to only the 2.4GHz band on a dual 2.4/5 GHz system when the SSIDs are the same name. A few folks with older 802.11n routers are still having issues.
That said, because of all the variables, the only way to level the playing field is places like speedtest.net.
You could use iperf https://iperf.fr/ and do some real analysis, too.
The "speed" seen in the network window isn't consistent for everyone, and again depends on the router that you are connecting to.
In my case, currently using a Netgeart r7000, I have a 105 meg ISP connection and consistently measure 113-115 or higher at speedtest,net. If I watch the network window, I see fluctuations all the time. I just capture the screen shots below over several minutes on my SP3. I've hyperlinked this to a version of the screen shots that should open in a larger view than here in the forum, but that server is going to reboot shortly so you may have to click a couple of times if the server is still rebooting.