Assessing bandwidth requirements, Traffic Meter

Is there a way to determine whether I'm maxing out my internet connection speed?  For example, I have 200Mb-down / 12Mb-up service.  I'd like to know if I'm peaking at those  capacities during the workday, so that I know whether to purchase more bandwidth to address performance issues.  (I've already ruled out workstations and local network, so bottleneck could be either internet connection max bandwidth or cloud server/network)

The Traffic Meter seems geared toward monitoring and limiting the volume of traffic, not the speed.

Also, what exactly is meant by average (Avg) where Upload/Avg and Download/Avg are listed?  For example, on the Weekly row, multiplying the Avg by 7days doesn't give me the weekly total, so it doesn't appear to be average volume per day.  This is displayed in MB, not Mb, so I'm assuming we're talking volume again and not speed.

Thanks,

Chris