If you have significantly lower current output when panels are in series than by themselves, either one or more of the panels has unusually high resistance, or your inter-panel connections do. You can test if it's a panel by trying them in pairs, and seeing if any pair is different than others, until you narrow down to the specific panel.
Connections can be tested with a meter, if the current drop is that dramatic it should show up even with a standard DMM, I think. Also, if this is not a new setup, but has been there for a while, it may be salt corrosion, if you have salt in the air around your area--there's enough moisture to do it even without the salt, if the metals of the connection points are different.
If it's a new installation, you might also want to be absolutely sure all the panels are wired in the right direction, because a reverse connection between sections might cause most of the current to be cancelled out.
Another issue is panel temperature, because unfortunately the best conditions for getting light to the panels (which increases the output capability) are also the best ones for heating them up (which reduces their output capability).
Given equivalent angle of sun, you'll probably see better output from them in the morning than the afternoon, because of temperature increases in the air and roof (or other mounting surface) that helps heat the panels themselves.
Any dust on the panel, or moisture, or any other thing on their surfaces, will cause less output. Dust or moisture in the air between you and the sun will do the same thing. Different angles to the sun, same thing, as well as different amounts of atmosphere (either because of lattitude or because of time-of-day).
I would never expect anywhere near rated capacity from any panel, because unless you're in a lab under completely controlled conditions, you are unlikely to ever get the conditions needed to see those ratings.
BTW: mounting the batteries and stuff under the panels directly may cause them to heat cycle a lot, and age them pretty quickly, compared to keeping them somewhere else. Depends on how hot it gets under the panels and how much airflow there is.