Of course it is reading them all - but the chipset (expertly led by BIOS) is reserving some of that memory for itself.
There are lots of those hardware reserved memory problems loitering around on the internet (search that term) - and there were, I think, 3 proven methods of resolving (or getting to the bottom of them) - 1) messin' with the BIOS settings, 2) shufflin' memory sticks between available slots, and 3) RTFM.