Let us bypass the
router for the moment. You said even with the ACT cable directly plugged into your computer, it was 95 Mbit/s.
Have you
1. Updated your network drivers?
2. Checked if your ethernet port is capable of 1000 Mbit/s? It probably is, but no harm in checking. For some reason if it's 100 Mbit/s, then you can't do anything.
3. Checked if the link speed on your ethernet adaptor/port on your computer is set to 'Auto Negotiation'?
There should be some marking on ACT's ethernet cable which mentions the type of cable - cat 5 or cat 5e. Please look at it and let us know.
Finally, this is what I'm seeing now.
Q: Help. Getting 6.5 Mbit/s on a 8 Mbit/s plan. Getting 3.2 Mbit/s on a 4 Mbit/s plan.
A: Contact exchange. Contact engineer. Ask to increase line rate. Escalate. All the best.
Q: Help. Getting 95 Mbit/s on a 100 Mbit/s plan
A: QUIET!