Where should I be in stats by the start of palace 4?

Im currently:

• Knowledge 4,
• Charm 3 (Almost 4)
• Proficiency 3
• Guts 3
• Kindness 2

Im not at home at the moment so I can't post social links but heres what I remember. I have around 300K saved and am using it for Kawakami and Fortune. Already have all 4 SP accessory 3's. Level 33.

• Makoto -5
• Takemi - 7
• Ann and Ryuji - 8
• Yusuke - 2
• Star - 1
• Sun - 2
• Kawakami - 6
• Fortune - 3

Am I behind? Ahead? On track/alright?