Your voluntary Disability life insurance policy seems really expensive. It's 41% of your total benefits including your 401k contribution. Have you shopped this on the private market to see how things would compare?

Do you work in a dangerous industry?

Plug your numbers into this minus the other deductions and see how it compares. https://smartasset.com/taxes/paycheck-calculator then use the IRS W4 calculator to adjust. I'm not sure an incorrect W4 is your problem here.