On average, over 50% (80% of some movies) of the soundtrack emanates from the center channel, and over 80% from the center and mains. Like the others said, check to see if your placement is correct. Movies like Gladiator, Patriot, The Incredibles (there are many others) make you quickly appreciate a 5.1 (or 7.1, better yet) setup.
Finally, you've said "rear" speakers. A 5.1 setup does not have rear surrounds, but it does have side surrounds (they should be placed at the side of your ear, or a little behind, and slightly above ear level). Check the setup guide as others have suggestion, and post your speaker layout for a quick discovery on whether your layout is incorrect or not. Cheers.