You are talking about two different connections here. When you run a speed test (on websites such at speedtest.net) you are measuring your actual internet speed, which is dependent on your ISP and what you pay for. This measures your speed outside of your local network. In your case is is approximately 16 Mb/s.
The 130 Mb/s is your speed within your network. This is only the speed between your MacBook and your router, no further. If you want to "maximize" your connection speed you would have to pay for 130 Mb/s internet through your ISP. The max so far that I have seen for residential use is 100 Mb/s through Comcast and Time Warner for about $200 a month.
I pay 450$/month for a Twc 100/20 pipe. But that's a business account. Why? You get QOS data priority over residential data anywhere in the Twc network. So during prime time, I don't slow, my neighbors do. And if their backbone is overloaded, I won't slow as it slow residential first
But apple limits DL from iTunes and app stores to about 35-45Mbps (not per connection .. Total to your routers public IP). Many sites also have limits for DLiing. Most cap at 50Mbps
But this lets everyone in my house do stuff at once and not slow down
I now have 2 802.11ac routers, both have 2.4 radios disabled. Each runs 80mhz wide 36-48 & 149-161. The upstairs is router plus ap, downstairs is AP. Both connected by a cat 7 100Gps cable for future upgrades. Each router has a max port speed of 10gps as once 160mhz wide AC comes out, I think that's nearly 3Gps. I hired a cabling company to run a drop for me. I should have had another drop to the master bedroom and added a 4 port, 10gps switching hub. Nothing I have uses that, but I buy for the future
Upstairs, master bedroom: DVR, ps4, atv3 are wireless. Desktops wired with 10Gps cards. Upstairs runs the upper channels of the 5Ghz band in N+AC only
Lv room, downstairs: same AC router, but in AP mode. Xbox one, DVR , atv3 are wired. The ap runs in the 4 lower 5g band. I have a 3500sq FT house and the 5ghz signal doesn't make it from one floor to the next
15ft away from my house, my routers can be seen at -90db (which means I can't interfere with neighboring 5g networks)
My household has 3 iPhone 5s, 2 ipad Airs, and 1 ipad 4 which roam and need to aps. Same SSID, just different channels.
The only time 2.4 ghz is turned on is if company has a 2.4 only device