Sounds like your house got 100A service.

Since this is band new install swapping this panel for 200A
should not be that big of a deal. Wires to branches, breaker sizes,
outlets, etc etc etc should be already to local code.

If electric company installs 200A meterbase, should be few hours
project

Bring contract, ask dealer to make it right. After all small claims
court would be an easy win for you.