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The Local Area Network, or LAN, can and will achieve 100MBps with cards as old as ~1990 give or take ten years depending on what card and network it is. The Wide Area Network, or WAN, is what the ISP controls. To visualize the idea, think of the WAN as the jug of milk. Now think of the opening of the jug of milk as the Network card in your machine in this instance. Lots of milk in that jug, the size of the opening, where the 'cap' / bandwidth is, will determine at which the flow of milk runs from inside the jug, to the glass / LAN. Just as; lots of available 'bandwidth' or available flow on the WAN, where settings or size of the 'cap' or capacity of flow in the network card to the local machine. Where are you reading the 100MBps from? If it is hovering over an icon in the lower task bar in windows, that is the current maximum theoretical speed the Local network, or LAN can achieve from the hardware / software which controls it. Where are you reading 'Not enough bandwidth' ? And what are you attempting to do when seeing this message?

From here it looks as if the ISP is dynamically setting the addresses, and as the OP stated 'ran out of IP's' could mean someone is always getting bounced, as the TTL [ or lease time ] settings must be low. This is also very common with many satellite and wireless ISP's

https://testmy.net/quickstats/Nikko Topp

Try plugging your computer directly into the modem using an Ethernet cable and see what your test scores are here on TestMy

I see they do offer a 100Mbps connection in your area, so you should be able to get this sorted with them.

They're as unique as IP addresses but don't give away any of your personal details. ConnectID's are something made up to give you a unique ID but also protect your identity.