Since I can only speak for NetWorx, the 10% different may be explained as follows:
1. When any LAC traffic is ignored in NetWorx, it does not record packet headers also known as TCP/IP overhead.
2. When any LAN traffic is ignored, it includes Windows broadcast messages.
The best way to find out the truth is to download a file of the known size, and see which meter's readings match. Or even better, which one better matches your ISP's report.