I think 100 is unreasonable, especially if it’s a minimum agreed level of service. Peak usage would absolutely suffer and be hard to maintain at that level.
I think the should raise it to 25/10 though. 3mbps up sucks for things like video calls. 5 is probably enough, but 3 is just too low.
I personally have 50/25 ($55/month total), and it’s plenty fast for everything I’ve needed. I plan to upgrade soon when I get on my city’s new fiber network, but I’m unwilling to pay for anything much faster right now.