I have essentially the same mini. Latest release of macOS (Sonoma 14.3.1), 32 GB RAM, 1 TB SSD.
Apple states the CPU clock speed as 3.5 GHz. But that alone is a marketing number, because marketing people like simple, round numbers.
Like the idiotic split we have now between actual drive sizes (base 2, a GB is stated as 1024 MB), and rounded down sizes (base 10, a GB is stated as 1000 MB). The latter is a lie. Computers are base 2 devices. Zeros and ones. That's the only way they work. But marketers like round numbers, and they pushed this incorrect sizing for so long it somehow became an acceptable lie.
Anyway, in reality, the clock speed is actually rated at 3.49 GHz. And even that is a fudge since with a mass produced CPU with billions of transistors, it isn't possible to produce them to come out at exactly the same processing level every single time.
I ran Geekbench 6 on my mini, and the CPU measured 3.48 GHz.
I don't know if load has any effect on the measured performance. Try booting into Safe Mode and run Geekbench 6 again just to see if you get a different result.