Sounds like a little of both to me.

What you've described is a fairly normal relationship. Most people's time is spent watching television and doing chores.

If you want to 'settle down' with someone, then, well, there's going to be some settling.

And you shouldn't compare what you have now to what you had when you started dating in your early 20s. It won't be as exciting. It also shouldn't be as stressful, and you should feel more freedom to be yourself and to have fun independent of your partner.

You need to keep your expectations in check. He's not there to entertain you and you have just as much ability to do things and communicate as him.

At the same time, it shouldn't be that hard. If after only a year you need to start doing formal date nights like an older married couple with kids, then maybe you're not really a great match. You shouldn't need to force yourselves to have fun together.

You need to do some introspection. If you're just being lazy/passive and prioritising the wrong things, then you just need to get your shit together and take ownership of your relationship. If it's an enormous effort to do anything other than watch television at 27 after 1 year of living together, then maybe you are falling out of love.