As others have stated it's combination of your schema and the number of indexes.
A friend had about 100,000,000 historical stock prices, daily closing quotes, in an MDB which approached the 2 Gb limit.
He pulled them down using some code found in a Microsoft Knowledge base article. I was rather surprised that whatever server he was using didn't cut him off after the first 100K records.
He could view any record in under a second.