Family of 4. Current salary is 165k/annually. DH is 42, I am retired/SAHM.
47k in a Voya traditional 401k account
210k in a Vangaurd IRA
With that income you are likely in the 22% federal bracket.
Without a pension or other "guaranteed" income in retirement, it would take ~$2.5 million in traditional accounts before you would reach the 22% bracket using a 4% withdrawal ratio.
Until you think your retirement income will put you in the 22% bracket, put as much into traditional accounts as you can: the 401k and a spousal tIRA. DH can use a Roth IRA.
P.S. What do you mean by "...the full 15%?"