During my ride today I observed other people on the bikes. I get the impression that my bike's crank arms are longer than theirs. One of the guys, when at the top of the pedaling cycle, his lap was still some 45 degrees angle to horizon. Mine is just a little short of being horizontal, and my leg-to-torso length ratio is greater than average.
That's one of the things that have annoyed me about stock bikes. The large ones tend to have too-short of crankarms while the small ones tend to have too-long crankarms. Some pros even get custom cranks made longer than what's available on the market, in the 190-200mm range!