Calculating the expected return from catch up contributions

Hi, I'm currently 30 years old and I'm trying to work out whether it makes sense to contribute to NI. I moved to the US after uni and have lived and worked here since. I worked part time and paid a little NI, but never worked full time in the UK. It doesn't seem like I'm eligible to make Tier 2 contributions, so my required catch up contributions total approximately £8,100 from 2014-2023. Assuming I pay £907.40 in 2024 and every year for the the following 35 years (with no growth), then I take £11,541.90 per year from ages 68 through 85 (which, I'll note, is 5 years longer than life expectancy), I will have paid £39,025.75 and received £192,212.30 for a net profit of £157,186.55. Big dollars, however over such a long period of time I'm not seeing it make any sense. As an IRR, that's 4.6%. If I die at 80, it's 3.9%. Overall, it doesn't seem like a good investment to me. Am I missing something? I can likely make more on taxable investments.

Hi,
I am afraid that HMRC are unable to advise on pension entitlement.
We can tell you what you can pay, how much it will cost and how to make the payment.
You already appear to have had advise from DWP, if you want to check this, you will need to speak to them.
The future pension centre number is 0800 731 0175  and they are open 8.00am to 6.00pm Monday to Friday.
However ultimately it is your decision whether to make payment or not.
Thank you.

I wasn't asking about pension entitlement, I was trying to start a discussion on whether or not it was a good investment for me