100% load will see it reach its advertised frequency, if you are idle with less demanding workloads open, then the CPU will dial down to be suited for the task at hand, this can be changed in the BIOS, but it a way of lowering power consumption, by only running as fast as it needs to be for the current usage.
Its like having a car, you want to go somewhere, and your not in a rush, your drive at a moderate speed, say 30mph, but the car is obviously capable of hitting higher speeds, but because of your demands the speed is low.
If you want the CPU to be permanently running top speed 24/7 then you can change a Cstate or power conservation setting in the BIOS that will enable the CPU to run at 2.44Ghz permanently. Obviously this is not needed, and its probably best for you to use Cstates as it will help out in the electrical bill!