You should be faster than that with that boat at WOT - even loaded down like that.
On our 24’ SSBXP SPS 200 Mercury Verado Pro a week ago we had a full cottage of family out boating and tubing. With Sea Legs, 10 people on board and a Super Mable with another 3 people on it and I still got to 29-30 mph (I only took it up to that speed briefly with teens, otherwise a bit fast for us tubing). Without the tubing and at 13 we were mid-30’s, and again I have the extra weight of the Sea Legs.
Has it always been this way or is it a new development? If always that way, I’d think prop and motor mount issues. If it’s a new problem, are your toons dirty?