Understanding data transfer rates

Greetings - with much trepidation about whatever it is I'm not grasping, I humbly ask for some help here. While 'watching' a large download (a game) on Task Manager and Resource Monitor, I see different data transfer rates in different units. Task Manager may indicate I'm receiving 5.0 Mbps. Resource Monitor then indicates something like 483,000 B/sec of the file of interest, with a few svchost connections receiving up to around 3,000 B/sec (under Processes with Network Activity). If there are 1x10^6 b per Mb, I'm receiving 5x10^6 per Task Manager, but only about 5x10^5 according to Resource Monitor.

Where's the other 90% of whatever is being transferred?

The numbers in Task Manager and Resource Monitor make sense but I don't follow your calculations.

Task Manager is showing a raw transfer rate of 5.0 Mb/s. That is 5,000,000 bits per second. As there are 8 bits per byte that equates to 5,000,000/8 or 625,000 Bytes per second. That is considerably higher than the 483,000 shown in Resource Monitor but that is easily explained. Task Manager is showing the total data transferred over the network interface while Resource Monitor is showing the actual transfer rate to the file in question. TCP/IP is a complex protocol with multiple levels of overhead. 483,000/625,000=.7728, or about 77.28% transfer efficiency.

8 bits per Byte. ... right. *bonks self* Thanks for taking the time to re-educate me - I can live with 77% transfer.