This is normal. The batteries used in these phones are designed to avoid short discharge/charge cycles in order to prolong the overall life of the battery and therefore will appear "full" around the 96~98 mark.
You can try a full discharge cycle to recalibrate the battery. To do so simply fully charge the battery and then use it until your battery runs out (you get the black screen with the icon to plug the phone in). After that screen pops up wait an additional 1~2 hours for the battery to become fully drained and then simply plug the phone in until it recharges.