Toast is a miscellaneous speed test. The results are absolutely nowhere near the true values.
This may be related to the method of testing. This is because a compressed JPEG image of 21.8 MB is downloaded.
With an advertised download speed of 100 Mbps, Toast measures 45 Mbps.
That is that incorrect, that this speed test is not recommended.
In the speed test overview you find all findings regarding the Toast speed test.