NR7101 - Help me figure our why my 5G is so slow...

TLDR; my NR7101 reaches 113/44 MBit/s while my phone, at the exact same location, reaches > 785/125 MBit/s. Why?

NR7101:

• 1.00(ABUV.10)C0 and RG502QEAAAR13A02M4G (waiting on the other thread to land somewhere on upgrading model to A04, but all previous modem versions had the same issue)
• Bridge mode, disabled UMTS, Preferred Access Technology = AUTO (5G-NSA leads to the same result, no connection AFAICT in 5G-SA), PTS = Combine, Band auto selection, PLMN Auto selection, NO LTE or 5G lock
• Clean error/dropped packets for both WAN and LAN
• IP Passthrough disabled, PLMN=22801, TAC = 3333, Access Technology NR-NSA EN-DC, band = LTE_BC1, current CA combination of BC1, BC3, BC7, BC28, BC3, N78

iPhone:

• iPhone 13 Pro, IOS 18.0.1, 5G set to Auto (not purely SA)
• Same 5G subscription (shared) as the NR7101 (but different SIM obviously)
• TAC=3333, PLMN=228 01, 5G-NSA, 5G band = N78, 100MHz, LTE = 7 in screen below, but has been 3 as well, so changes), same as what I see on the NR7101

As such, it seems that the iPhone syncs up to the same tower/antenna, share the same two bands (BC1 and N78), but doesn't use as many others (BC3, BC7, BC28), but the performance is 5-6x weaker on the NR7101. Any thoughts? I've tried pretty much everything I could find in those forums, but nothing has worked. What am I doing wrong? am I supposed to lock to some 5g endpoint only?

Thanks!