You can't check every address derivated by a seed. Addresses are being generated on demand. Up to 'an infinite amount'.
Ledgers chrome app is 'generating' them 1 by 1. And Electrum does generate about 20 at once, and more on demand.
There is nothing wrong with the ledgers chrome app only checking the balance one by one, because thats how they implemented their UI.
Do you have Ledger or you just think that you know how is working?When I check in Ledger app first time without made any transaction there is so many generated addresses,probably 150-200 and now is even more.The point is that you can not use them as receiving address,because their stupid software will check just few of them,maybe 20 or something like that.
It makes no sense to discuss this more,problem solved.