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I automated my speed tests to run daily.
But the machine that does that is currently turned off. I couldn't do it on the ubiquiti controller or a raspberry pi as both were CPU constrained and couldn't measure the full bandwidth so under reported.
So I was measuring on a Windows PC on the wired network at random times per day, running 3 tests and taking the average.
It was rock solid. Full bandwidth as advertised. Like others I would say just over. Although, I was getting over 30Mbps up.
My 100Mb gets 100Mb pretty much all the time. Sounds like you may have another issue.