You are NOT going to get 20mbs all the time. That's the theoretical maximum. All ISPs lump a group of customers together, and they all all have to share a data "hose pipe".
If your neighbours (sharers of the pipe) are busy downloading stuff, you'll be throttled down.
So one-time tests are unreliable.
It may be 4.5mbs one moment, then the full 20. It depends on your ISP's setup, and how many other people you are sharing that bandwidth with, and what they are doing.