Loaded speed usually refers to signal speed of one source while another source is also sending a signal.
Example: two users on the same line (like two people with two laptops, both sending and receiving data). Or you're doing a speedtest while another app on your laptop is also sending and receiving - like an email app).
So if your test shows 109 loaded, and 100 unloaded, you have a very very good speed from your provider!
But I'm still wondering about your 100 upload, especially as you said you chose basic 100 service. If you're getting 100 for upload and 100 for download, you are a lucky man! Basil's post above is a good example of download vs upload.