In Canada where I live my ISP has a 250/250 plan but I'm paying $200.00 bucks a month for it as a home user.
TH
To be quite honest, you truly aren't getting those speeds. When you break down the packets properly, you have the header, and the "footer".
So HHHHHH(Frame Information Here)FFFFFF is how it looks. The header includes information like the mac address, amongst other information.
ISPs base their speeds off the "middle" part of the packet/frame. My cousins fiance used to work for iFiber, and he broke it down to me awhile back about how they truly "test" your speeds.