let's see.. i contributed 6400 last year... my employer did about the same so that's about 12,800/year. If i continue to contribute this for the rest of my working life (i'm 40 now) for another 25 years, then that's $320,000 plus what i've contributed the last 24 years (started paying in when i was 15 1/2 or so). That adds another approx 180,000 so total of $500,000 or so. If i retire at 65 at this contribution rate, i get about $2500/mo i think. THat's $30,000/year which comes out to 16 years or so. That's not including the 3% intrest per year either. So your math is wrong.
in 25 years 30K will be worth 10k, so your benefits will be 75 to 100K with 5% inflation (and there WILL BE BIG INFLATION when Helicopter Ben and Odumber try to figure out how to stop printing trillions).