Is speed test dot net accurate? Getting 110 Mbps on 5G

Speedtest is more or less accurate. However, the 5G band is something that requires more disclosure in the amount of information that's being fed into the public.

5G is divided into several spectrums where each spectrum is using a different wavelength, therefore, brings a drastic change regarding the performance/speed of your 5G link. We name these spectrums "bands."

The list of spectrums are low-band, mid-band and high-band spectrums.

Low band is the most common and is being widely used anywhere in the world. Low-band usually has better signal range and stability in comparison to higher bands. However, to compensate for the stability and the range it offers, it has to give up on the speed and latency. Which means that the low-band spectrum will have lower speeds in exchange for higher range and overall stability.

Mid band is the spectrum that is now being "set-up" by primetime carriers around the world. This band represent the usual usage of an overall 5G network with speeds being stable at around 1Gbps, if the range between you and the antenna is good that is. In short, mid band spectrum offers higher speed and better latency with considerably lower range and stability loss in comparison to low band.

And finally, there is the "high-band" which is something that ALL network operators and carriers trying to brainwash people and baiting them into buying "5G capable phones" on contracts. High-band is basically the best of the best when it comes to 5G. The core selling point, extremely low latency with the highest speed available. We are talking more than several gigabits per second with less than 25-30 milliseconds latency. That is spectacular for our current era.

However, there is a huge drawback. High-band (aka mmWave / MillimeterWave) has the worst range and penetration capabilities of anything. If you are right in front of the antenna, that is good. However, if a literal living person gets in front of your phone and blocks the view between your phone and the antenna, you are going to lose your signal hence resulting in various stability issues. A small tree or just being as far as 20 meters from the antenna can break the signal.

I do not know where you live. But even though you see a "5G E/5G" on your phone. You are basically using over-glorified 4G.