The switch/router should auto-negotiate its settings with each node on the network. If your PC has a 10/100 nic card it will choose the best connection, usually a 100/full duplex mode. The MTU should not affect the MB/s rate. The MTU will only set the maximum length for each packet. By default the MTU is somewhere between 1500 and 1550, I believe. If you lower this, your PC will still send at a rate of 100MBs, but the packet length will be shorter, and the CPU usage will increase.
You may want to check the settings of your switch to see if it is indeed a 10/100 switch and make sure it is set to auto-negotiate. You may also want to try and hard code the switch to 100MB/s for the single port the PC you are monitoring is on, and see if that increases the throughput.
Jeremy