With speed test, make sure you check which server it auto selects. Sometimes it chooses a server with a speed cap. I freaked when speed test said I was getting only 8Mbps, but I could verify real world DLs were faster. Turns out it was an issue with server selection. Also, make sure you use a browser that doesn't have any flash blocker addons or anything else running.
I tend to look for Ookla servers even if they're farther away because they have the capacity to handle faster connections. A lot of speed test servers crap out on connections 75Mbps or faster. I found that out talking to a fellow network engineer at Verizon. Initially, prior to upgrading all of their speed test equipment, FiOS had a special link for connections over 75 Mbps.