This is normal. The operating system (e.g., Windows 7) has a defined "address space" that limits the amount of memory it can access. For 32-bit operating systems (e.g., Windows XP), that limit is 4 GB. For 64 bit operating systems (e.g., some versions
of Windows 7) it is 192 GB.
That said, however, Windows uses some of that address space to communicate with various hardw2are devices installed in the computer. The biggest user in this category is your video card.
Because of the hardware reservation, many Windows XP users were surprised to find that when they installed 4 GB of physical RAM in their computers that Windows reported only about 3.3 GB of usable memory.
The same thing is happening to you. In your case, because you have a 64-bit version of Win 7, Windows has a very large address space .... but it still needs some of those addresses to communicate with your hardware. In your particular case, that's only about
100 MB.
If you click on "Resource Monitor on the "Performance" tab of Task Manager and then select the "memory" tab, you'll see the "Hardware Reserved" section at the left end of the graph. The sum of" Hardware Reserved" and "total" should equal "installed."