The upload seems like a problem, maybe verizon is having some problems on their end too with the 4S or maybe it's just a bad speedtest, it happens sometimes.
unfortunately .95 down actually isn't all that slow for verizon 3G
anymore I average about .9 mbps down with spikes as high as 2.3 and dips as low as 600kbps depending on the time of the day.
I can't wait till verizon offers LTE here the 3G network in central NJ is strained pretty bad.
I have a HTC thunderbolt so I'm ready to go with 4G as soon as it's available, unfortunately it's currently about 5 miles away from us.