The enlargement still applies when viewing at 100%.
J.R. - Viewing at 100% simply means a 1:1 mapping of pixels from the sensor to pixels on your monitor. It's a useful tool to see how detailed your image is by making sure none of the pixels are merged together when outputted to screen, but that's about it.
If the number of megapixels or the dpi of the monitor were to change, the size of the details at 1:1 or 100% would vary. Therefore stating it's at 100% is no way to quantify enlargement.
Enlargement is merely the ratio between the size of the image projected by the back of the lens (onto a sensor or film), compared to the output size (monitor, print etc). If you view a low quality picture on a 4" phone display it might appear fine. Enlarge it more to fill a 30" monitor, and any flaws within that image are more visible, or enlarged.
Polaroids are a good example of an output with no enlargement, whereas a smartphone photo printed as a large poster is the complete opposite. More MP don't mean less enlargement is needed for a particular output size. It's just the same as scanning a smaller section of film at higher res. If the detail isn't there in the first place (due to the lens, AF or whatever), more data in more pixels don't help.