Having a cap, which is double what you earn, and ten times what you could afford to contribute, is no real limitation to the vast majority of the population.
People at the end of a career - becoming pensioners - would be higher than their median.
The teacher I know who has incremented to be a "leader" (there seem to be a lot of them in the school) is on over 80k. She works long hours but isn't particularly "able".
Their new "Design Technology Lead" is under 30 and gets about 55k. The person doesn't sound very good.
I've seen the tables JD would be referring to. They say 60k is nearer to top 6% than 10%, - something's out of kilter.