Cisco 4431 bandwidth license question

I've just been looking at a slow speed issue on a Cisco 4431 which has the 1Gb license upgrade. The issue is it's getting below the 500mb mark.

I figured it's a carrier issue but I've just thought. If it's got a 1Gb license and is on a 1gb link is it going to ever get that 1gb on speedtests?. If you have a laptop plugged in the lan and you are downloading then if the LAN is pushing 500mb traffic to your laptop and the WAN is also downloading 500mb then that's the 1gb right?

If you wanted to get the full 1gb speeds on a speedtest you would need a 2Gb license? That doesn't sound right but I'm wondering if it's the case.

thanks