That "100 people" may include a few exchanges representing many people. When you factor in that then yes it would be apparent that it is more decentralized than it appears. If those that have their funds on exchanges were to setup an account, secure a wallet, and take possession of their keys then it would look much less decentralized. There is a learning curve to setting up accounts, staking coins, buying ram, etc. so I cant blame some that keep their coins on an exchange until they feel they can safely secure and manage their own funds in their own account. Until then these people with good intent will either sell or go the right direction...Decentralized! Be patient. I recall another coin where one single address that holds 1,000,000 of 21,000,000 (-4,000,000 lost) coins. Hmmm? That would never work either would it?