That is quite low , especially for end game or trying to reach but it isn't the worst . Well the cap is 650% and for item drops, 200%. However since ascensions and Epiphany set came, you can get 812% cap for gold find and luck. With hirling, you can get 300% item drops and with epiphany, 350% (250% in single player).
Nadroji (3) is also quite low so add 2x 2+ all sets to make it rank (5) for higher chance of ultra legends and for nadroji bonus, it will appear as Nadroji 6 since 2 slots are devoted to nadroji for bonus. This means Nadroji (2) +4 = (6) if you used 2x 2+ all sets as cap. Put 2+ all sets on jewellery like amulet and ring.
Another thing is the fortunate perk which already adds an extra 200% above cap so 650% cap is 850% total luck and gold. If using Epiphany, you can get 1012% gold find and luck at rank (5). There is also Luck/Gold boost if you lucky to increase that number by 100% for good luck for free or paid.
Exp cap 200% is fine. Also Mythic 3 175% exp gain happens without affecting cap so enemies already have exp increased by 175%. Floor 101-200 has best results in exp gain as below, you get less exp. Also above floor you get less exp and item drops overall. Pack size seems higher in floor 200 or below. With epiphany, you can get 250% exp gain cap. Magic enemies and above drop more exp and you can increase the group size by maps and Nadroji Bonus.
With boost or shrine, you can get 300% exp gain or 350% even if you use epiphany. I remembered when you could get 1100% exp gain before the nerf to make exp boost less OP and give proper +100% exp gain above cap and shrine. Then there are people i've heard who ascended well without Quest Mythstone but Quest Mythstone 200% exp gain is handy. Yes it is harder to level per ascension but you can get there.
My fastest way was that at level 1, I ascend with quest mythstone on easy floor 101 or so with a level 40 build after reaching level 20 and do pack size maps repeatedly. I gain up to level 50 in one hour, even in Eternal League. First 20 levels will always be easy with hirling to help you too.
Though using Hirling can reduce exp gain unless you get both characters having high exp gain to get 200% exp gain or so. Hirling is useful though and farming floors as fast as possible in general for exp and farming.
1012% luck by epiphany makes legends very common because its such high luck on even a pack size map and in extension, Eternals become more common thanks to Treasured perk and/or Eternalized. Same with crystal legends.
Or salvage legends for dust, unlock one eternal and craft it to convert eternals to crystals.