He did give me a fitting and I am actually that short. It does shock people but I am 5'5" with a 28" inseam.
What size is your bike?
I'm 5'8" with a 30" pants inseam and ride a 53-54cm diamond frame.
But in the CrossRip I had to buy the 50 because the effective top tube length is 54.6cm.
The dealer had to order mine and originally suggested a bigger size but I checked the geo online and told him I wanted the 50. Thankfully, it is the perfect size for me.
Edit: I have medium length legs and a long torso for my height.
My saddle is almost dead even with the top of the bars, with the stock stem.
With my hands on the top of the bars my back is at close to a 45 degree angle.
With your saddle that low it looks to me like you may be really stretched out.
Are you an experienced rider with lots of miles?