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The theory, on paper at least, is that a wifi card will negotiate the fastest link speed possible based on signal quality. If its a dual band wifi card, it'll choose 2.4g if it thinks it'll be faster than 5, particularly on dual band mesh systems.
Have you looked at Signal to Noise ratio to get a feel for whether something is interfering? All kinds of things can throw wifi off. Ours shifts down link speed every time our neighbour plugs his Tesla in.
Stonehedge
NotThamesWater
It looks as though we're having similar problems.
I get 950Mbps over ethernet LAN / VLAN, across various switches.
As soon as I connect over wi-fi, though, which is supposed to be Gigabit, my speeds drop to 30Mbps.
I'm buggered if I know why.
It's not signal attenuation, as I am in arm's reach of the AP.