I don't think dives/year matter as much as health. Well unless you factor in horrible fin technique on a 1-2 dives/year diver. I'd say it would be a range excluding the 2 extremes. AKA: no one who's extremely overweight/out of shape, and no one who's borderline professional athlete.
Seems like a fair definition of "average" then. I don't have enough experience diving to know my own speed, as a newb, but I never try to go fast anyway.
If you extrapolate from ground speeds, though, I think anything like 1 knot would be optimistic for any sustained time. Most people walk between 2-3 mph on flat terrain, so I can't imagine they'd be better than half that speed swimming, given we aren't designed to swim. I think the numbers you're getting in this thread may even be optimistic but closer to the reality at a half knot or so.