Thank you for all of the helpful feedback- I think I was just disappointed that those first dollars I put away in retirement was during a time where I had very little income, was going to school at night, hoarding quarters for laundry, living off beans and rice... and to think that those dollars hadn't earned anything was frustrating- but you all have provided some much needed perspective. I need to just get over it and move on and be thankful the money is still there.
A number of other mutual funds that I have in my 401K also have some conservative holdings so the total allocation would be over 20%- but I do not know the exact number.
I like the suggestion of listing everything out to have a better idea- I think that is my next step. Every time I changed jobs over the last 15 years, I would pick a few new mutual funds so I have a number of accounts, luckily with the same company, but a little messy to try and make sense of.
I am very thankful to find this very helpful and welcoming community.