I don't know, which switch do you use. I know, that some old switches have problems, if you have mixed 10 and 100 devices connecting. And even with Cisco Catalyst switches I have, sometimes when you download huge files, it runs 4-5%, but sometimes 50-60%. What you may try - try to transfer big file between 2 PCs connected to the same switch. Make sure that both PCs have 100/Full hardly coded in NIC settings. But again, maximum you should expect - 50-60%. Then try to connect your PC to switch, where you have your servers running. Make same file transfer. Try it several times, because I have experienced, when once I had 5%, and 10 minuts later 50%. Another thing may be envolved in this process - different Cisco Switching algoritms (like Cisco Express Forwarding, Layer3 switching, etc.) What they do - they create "switching path" for specific trafic (for example, from PC-A to PC-B), and do "fast switching". But I am not sure which parameters system reserves for this "path". may be this causes that difference in behavior.
Good luck.