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You are missing 8%. I would just do something like 70% total us market and 30% international. If emerging markets are not in that fund maybe add 10% to an emerging market fund from the 30%
I would just do something like 80% US market and 20% international. If you're young, I'd ditch the bonds. 2% of anything isn't going to do much anyways.
US market and S&P500 overlap significantly so I'd just hold one (the former is technically more diversified but performs similarly).
International often includes emerging markets, although I'm unsure of the overlap.
Don't use other mutual funds (e.g. Vanguard, Fidelity) in Schwab. You'll pay a big fee.
They do have partial shares but you just can’t do them in a retirement account (I think!)