Low Testosterone levels?

what are the implications of having a testosterone levels of 16.6 nmol/l as a 26 year old male? can it be connected to the my depression and fragile mood? my inability to lose the fat in my thighs and backside? my inability to grow and even beard? my lack of motivation?
is there anything that can be done to improve this? should something be done, assuming what I started by asking is correct?

just my opinion but I think you need to consult a medical professional - anybody could tell you anything on here and who is to say it is right or wrong - good luck