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Cpu sitting below 100% indicates that the program is spending time waiting for a data fetch from disk or memory.

is there any tool out there that monitors IO calls from one specific process?

I get extremely annoyed when applications simply freeze without them doing any important cpu task.

resource monitor in windows can do that

It does not monitor latency caused by cpu doing fetches from ram (to the cache) though? Depending on the app, they can be a real killer.

Or it does not use all cores.