You probably already know this but in case you didnt know or forgot, there's a difference between MB/sec and Mb/sec. Spelling it outs its megabits (Mb) and Megabytes (MB). A byte is made up of 8 bits and therefore 8x smaller, so if your benchmark reads in MBps the maximum for (100) full-duplex would be exactly 12.5MBps which wouldnt be too far away from your figure... this would be reasonable if your using a software based card instead of a hardware based (aka: Win-NIC) (basically saying whether it has its own processor or it uses the CPU to do all its work for it). If it has CPU do all work it will slow down transfers a little bit.
But maybe u knew this already or maybe not, but to my understanding NICs are usually set up to an automatic mode where is selects speed as it sees necessary, if ur unhappy with speed there SHOULD be an option to set this manually if you right click on "Network Neighborhood," select properties, and select your NIC, select properties, select the advanced tab, select "link speed/duplex mode," and then press arrow key and scroll down to select "100 full," if this option is not there there are a few possible reasons.
You might be using wrong driver for this NIC, an old one that doesnt use 10/100 options-- I have one of these for example, and it doesnt allow selection, the advanced tab is just simply not there. Or your NIC is fundamentally configured to run in an automatic mode on the actual piece of hardware itself--something I have yet to see, but something I wouldnt rule out.
I hope I helped with something rather than just wasting ur time reading this really long message... Stephen