Uncle Matt:
Sorry you're going through this ... and a couple thoughts. First off- gelcoat has a tensile strength MUCH greater than the glass layup/substrate, so if 'allowed' to flex - the gelcoat can crack. The answer, to me, would be one of 2 things either:
1) The gelcoat is 'too hard', or
2) Or the deck in that area is flexing too much
#1 can be caused by gelcoat variations, including batch-to-batch. FWIW you won't see one such crack in the older boats but gelcoat formulations have changed over the years due to EPA regs. Pro glass guys in my area tell me that even PPG gelcoat (the largest player in the gelcoat industry) isn't as good as it used to be. You know, maybe that area was shot (gelcoat) with too hard a mix, possibly too much hardener in it.
#2 could be caused if a structural member in that area was missing, not bonded in place, bonded incorrectly, or has broken the bond. I have heard of similar issues with other boats and it was subsequently determined to be things like a stringer that delaminated from the hull bottom and thus was hitting the deck and causing the cracks.
Please note - I have NEVER heard of any such or similar complaint with a Parker hull! And, I am NOT implying you may have a structural issue. At worst, I believe it to be cosmetic, though clearly that isn't satisfactory for a 2004 hull. Hopefully others here with 2004 and similar vintage hulls can add some testimony to their hulls. Talk to you dealer about the gelcoat or possible flexing issue and please report back! Good luck,