You got the MSRP from $44,420 to $34,170 – that is some good negotiating. That $10k off is usually good enough to get you a great deal. Your 48% residual is not great but 15k miles may explain part of it, probably much better at 10k miles but if you need it, you need it.
The residual $21,321 (MSRP * 0.48) which makes your rent (depreciation) charge $12,848 / 36 = $357/mo. Not awesome but the residual % is bringing this up but nothing you can do about it. So somewhere between $357, your payment went up by $219 (taxes and interest) which is pretty hard to do. I think the more realistic scenario is that they snuck some more things in there that put back most of the $10k you negotiated off MSRP
What i can only tell you is search my deal in the forum. Tell them to try another bank and i guarantee you the MF is marked up. 2016 Grand Cherokee Deal NY. I had only 10k a year and my residual was 57%.
Not that much but at least 4% to 6% for sure. Plus do not forget its 2 months later and yours is a 4x2, which has lower residual. Dealer cant mark up the residual, only MF. Try Ally Bank tell the dealer. I think they had better residuals. Just out of curiousity what rebates you using?