It is not just programs which load on startup but also services. The more progs and services load, the more delay there will be. To see what progs are loaded, type msconfig at the run command. Choose selective startup and check the programs which you want to load at startup.
Also at the run command type services.msc to see what services are loaded. These can be selectively set to maual or disabled or auto. Visit black viper's website for info. on this.