How should I allocate my 401A funds?

You are a little behind on your retirement savings for the amount you earn. I would not put all that much into the bond fund at this junction even though most would advise that amount. With interest rates so low bonds are very speculative currently. I would allocate more to the D&C intl. Maybe 20% even though it is nothing to write home to mom about or maybe 30% to the Vang Tot Intl. That one might be a better choice since it does include some developing market equities. Neither is a great choice though. You have not selected any small cap funds. I think you should. Maybe allocate 10%. They have tended to outperform the large caps funds consistently and by a wide margin too. What does the Key Guaranteed pay? It it pays 5%+ then it is a good choice. Less than that not so good.