Which NIC is it? Killer, Intel?
If the former, you may have software throttling it
OnboardIs the NIC an onboard one or from a PCIe connection? (ie an actual PCIe card?)
Do you have a second NIC on that board?
And do you have another local machine? If so, can you set them up to try and transfer from your new machine to the other one? And vice versa? See if it's limited to the 2.5 NIC. Help narrow it down to see if it's affecting both, or just one.
If only one, what are you connecting to? (Modem/Router in case it can't support it)
And what is the cable in use? 5e? 6? 6a? (Just eliminating all things to not look at and suggest)