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@shoresup Glad you got that sorted, sometimes it just needs a second pair of eyes. We've all been there.
Iperf is testing the max performance through the device, but file transfer utilities have several overheads, so for example if I use sftp, we have several steps:
read data chunk
encrypt data
transmit data
wait for ack
repeat
sftp (for example) packet size can impact on performance, depending on your network driver (either wifi/ethernet et al), you may get better performance by tweaking -B parameter on sftp.
A simple test I use if ftp, because it removes the overhead of encryption/encoding of sftp. Actually I often use zmodem or modem for my test, maybe because I'm old