Kate - it appears that very many of the lost who were on deck at the end were not recovered.
Pulling some numbers off my site "An Analysis of the Bodies Recovered from the Titanic" (using figures from the US Inquiry):
705 people saved
338 bodies recovered or accounted for
----
1043 accounted for out of 2223.
So, 1180 not accounted for. Look at all the accounts of people lining the decks, watching their loved ones leave in lifeboats. I strongly suspect few, if any, of these people would have gone below decks at this time. And their bodies were not recovered.
Moody, Ida Strauss (her husband's body was recovered, if he was on deck, so was she), Capt. Crosby, so many names I can't think of most of them - known to be on deck toward the end.
Wilde's body not recovered? Just because he was in the greater proportion that were not found.
Though I do believe that quite a few people *were* trapped inside the ship, I also believe that many/most were on deck, and the odds were not in favor of their bodies being recovered.