Oddly low fps with new Nvidia 1060 6gb graphics card on just medium settings

I recently upgraded my super old nvidia 760 to a shiny new nvidia 1060 6gb!  Unfortunately, my fps has not done much in the way of improving.  My system is:

i54670k 

nvidia 1060 6gb

8gb ddr3 RAM (dual channel)

In fullscreen mode the game is incredibly choppy even in the main menu (around 30-40 fps) at 1080p.  In game is about the same fps, sometimes dipping to upper 20s.  This is all occurring on a mixture of medium to low settings, with aa and occlusion off.  I benchmarked/ checked my new card to see if its defective, but I can play fallout 4 on ultra and 60fps without any problems and the 3dmark was also normal/ consistent.  Changing to borderless window largely alleviates these framerate issues on those graphics settings, but consistently get stutters and dips into upper 40s.

The cpu load during all this is around 75% with the gfx card barely doing anything (around 40-50 percent).

 I tried setting pre-rendered frames to 1, checked vsync on vs off, dx 11 vs 12, but none of that worked.

I have seen videos of identical system running at much higher fps and settings.  Even just running at a mix of medium and high at 60fps and 1080p would be totally fine.

Is there anything I can do to increase the fps to its mighty and rightful place? Thank you!