You maybe right.
After hours of time on the phone with the nice folks at Netgear (and I mean that) I was called by a senior technician and he told me that 10/100mbps DOES NOT mean 100mbps LAN to WAN.
He told me you have to look at throughput.
He said most "home" routers are not built to go much faster then 10mbps.
Commercial routers are.
If you look at the Netgear FWG114P (blue btw) spec sheet you'll see it is a 10/100mbps router and it has about a 60mbps throughput WAN to LAN.
So, I guess that is the reason why I can not get the speeds I was looking for and that is the reason why I purchased the FWG114P. ($107.00 at newegg.com - $117.00 at Amazon)
Sounds about right. Your WAN uplink on that router is only 10 mbps, so if you get a ethernet standard 50% to 60% usable from max bandwidth, that would be 5 to 6 mbps.