There are different ways to do that. If your collection is not huge, only a couple thousand entries, then you can do it like this:
User.all.select {|user| !user['examples'].nil? and user['examples'].count >= 3}
That loads ALL entries from the collection into memory and does the selection with a Ruby native feature. You should not do this if you have 10 million entries in the collection.
Since MongoDB 2.2+ you can do this:
User.collection.find({'examples.2' => {'$exists' => true}})
That will return all users which have at least 3 elements in the 'example' subcollection. The counting starts with 0, the position of the element in the subcollection.
We use this feature at VersionEye to identify users who don't follow anything.