If your CPU is at 100% while your GPU is low, your CPU is bottlenecking the game.

Open Task Manager , go to Details , right-click FiveM.exe , and set the priority to Normal or High (avoid "Realtime" as it can crash your system).

Over time, FiveM downloads gigabytes of server-side assets that can cause stuttering.

FiveM [GTA 5] - How to Remove FPS Drops & Bottl...