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@kcorneli I was including the employer match, as OP said comes out to $30.8k which is where I got the 14.5%. I don't think you can just neglect that and say they are off track. My employer contributes 15% while I do 0. Am I off target for my retirement?

@kcorneli Their combined contribution rate is more like 14.5% so I would say they are doing just fine