I’m using WiFiMan to diagnose a slow network. When I do the speed test in WiFiman, the download speed is only 3 Mbps, but the PHY speed is 174 Mbps down. Would this imply it’s an issue between the router and ISP vs between my phone and the router? I can’t seem to find any real concrete info on what PHY speed means on google, it makes it sound like these should be the same speed, unless PHY is faster than what your ISP speeds are.

It’s a Wifi 4 C3000Z on centurylink if it matters.