Undissolved crud included in a hydrometer sample will not affect the hydrometer reading.
A boat floating in the same pond as the canoe you're paddling, doesn't affect the buoyancy of your canoe. The same principle applies to anything not dissolved in the liquid. In the canoe example, if you dissolve a ton of sugar in the water, your canoe will float higher; if you dump in a ton of rocks, the level of the water will rise, but your canoe will still float as deep as it did before. The same applies if you dump in a ton of ping-pong balls - the water level will rise, but the canoe will float on the same waterline.
When a solid is dissolved in a liquid, its molecules are interspersed in the liquid it's dissolved in, increasing the weight of the total volume of liquid, slightly increasing the volume, retaining its molecular structure, and not affecting the molecular structure of the liquid.
Yeah, I know. Too much information. But, now you're ready for the test. Everyone pick up your pencils and begin. You'll have 45 minutes.