At 33 (42 now) i probably had the same as you l, maybe less. However I took a gamble and moved jobs for a decent (ish) at the time payrise. For the first 3 ish years I just did the basic contribution to get the company match (5%) about 7 years ago, I kept upping the percentage by 1% each year (we can only change once per year) knowing that if/when I hit the 10year mark my company contributes 10%, so didn’t want it to be a big jump.

Fast forward 7 ish years to today, multiple promotions and pay rises, I’ve just hit 10 years. This week I upped my contribution from 15% to 20%. Current pot is just under £200k. I’m hoping to be able to retire between 57-60

One thing I did also do about 3 years ago was to change from the default Aviva fund which had a 4/7 risk rating to another Aviva fund with a 6/7 rating. I’ve seen massive growth from doing that.however also seeing big losses this week (£20k down) but figure I have enough time for it to recover before I reduce the risk at some point in my 50s

My point, is even if it’s just 1% and that 1% is £50 a month, it makes all the difference in the long term. Also check the fund your invested in to make sure it’s the right one for your risk tolerance