Mine runs real cool for some reason. Just about a full notch under half, unless I'm sitting in traffic. Once it hits almost the half way mark, the fan comes on. If it's below, it won't come on even with the air conditioning on. Open the hood and you'll definitely hear it if it's going. The fan relay though is under the passenger side light housing. Easiest way is to remove the housing and cut a whole through the header panel to reach it. If it really goes south though, it will throw a check engine code. I was always told the fan automatically comes on when the air conditioning is one. I'm now doubting that. Even with my AC on full blast, my fan doesn't come on until temp wise I hit about the half way mark. The first time I noticed something was off when mine went was caught in traffic on the highway behind a car fire, it hit the same reading as you did. Few days later and it went all the way up.
If the fan appears to be working ok though, then I'd start to think waterpump (is it leaking anything from the weep hole?) or if the rad has been in a long time, maybe it's somehow clogged and restricting coolant flow.
How old is the rad?
The beatings will continue until attitudes improve!
HID Quad bi-xenon + foglight retrofit