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What is the 4550 hooked up to?
What's the complete chain of relevant devices?
What kind of media are you using?
You likely aren't given the option for 5.1 audio because the target device (TV) doesn't support it. When the HDMI connection is made the TV tells the computer (or other device) what it's capabilities are, for a TV don't expect it to handle more than 2-channel PCM and DD. (what it can decode or passthrough SPDIF)
If you want 6 or 8 channel PCM output through HDMI theres really no solution short of buying that new reciever.