I took to pictures at the same time on my computer. One is a wifi speed test the other is a download. I have discovered that my speed test and my actual speed. I have verizon
The test
Actual results
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It could be a lot of things. I do know that when they see your going to a speed test site they route you through a good path so your numbers look good. But it could just be that your downloading something that's on a congested path, or bad server. So do more download tests from different places.
This happens on every time I try to download something.
Try re-testing with speedof.me
speedtest has been cached by so many different isp's, and I suspect that there is some tomfoolery going on with those numbers.