Is this normal?

100k na nahulog ko sa pru vul. Over three years 2533 per month. I checked the fund value and it's only 7k. Insights pls.

Edit: I checked my policy and it's stated there that 50% of my contri will be put on the investment portion starting year 2. So my fund value should roughly be 2533x24x0.5=30,396. Please please sa mga FA or former FA, tama ba calc ko? I understand that the market isn't stable.

Also, my FA changed halfway through. I have a v popular FA and nakita ko na lang na na-change na. Walang notification whatsoever.