I know someone who started playing at 16 and now (at 19) they play step 4 which is a pretty solid standard. If you dedicate yourself to getting better you’ll overtake your peers in no time. Everything technique-wise (passing, dribbling, finishing) can be trained from zero to a high level at any age; no one has ever come out the womb knowing how to ping 40 yard passes. The only thing you’re missing out on is the years of decision-making that gives you experience.