Where was the server that speedof was using? I just ran a test and the server was in New York City. When I run tests with speedtest.net it uses servers in Toronto. There are a lot more possiblities of bottlenecks between Toronto and New York. You could also try using speedtest.net and selecting a server in New York, Hong Kong, etc to see the effect of distance on your speed.
But what is the speed that you pay for? Is it the best case scenario of a test to a nearby server without a lot of interchanges between communications companies? Or is it the actual speed to a server much farther from your home? Note that many tech companies distribute their servers with content delivery companies like Akamai so that the data is closer to the end consumer to reduce problems caused by bottlenecks on the internet. Netflix does this for instance, and they are also, in some instances, putting their servers on ISP's network to reduce congestion. I don't know if they have done this with Roigers or not.
FYI - I have Rogers' 250 Mbps service. I rarely find services that run that fast - but others say that they can download from Newsgroup servers at their full connection speed. I often download files from an FTP server in Europe. The best speed that I can get with multi-segment downloads is 80 Mbps but I am pretty sure that is due to (1) latency as FTP runs slower the higher your latency and (2) bottlenecks at interconnects between Rogers and the ISP in Europe.
To do a real world speed test find a server that is close to where you are located and try to download a file and measure your speed. If you cand download a 1 gigabyte file in a minute then you are getting 1 GB/min or 1000/60 MBps or 8000/60 Mbps or 133 Mbps (or a bit faster if you define 1GB = 1024 MB)
So is it Rogers fault that you can't get your full speed over the interent? Is it Porsche's fault that you can't drive your 911 at 250 km/hr on the 401 during rush hour?