The 180k in cash will likely get assessed at about 6%. Re-run the NPCs, pronto, using 180k. A 401k is a Qualified Retirement Plan.
I seriously suggest you start a thread in the fin aid forum, where it will attract the attention of more of the FA informed posters. Tell the background, that you thought more was set aside, your major and stats, and that you’re in CA, only child. Then, you can pretty much paste in Post 92.
They may suggest other colleges.