Less that 2% of insulation being out of place can waste something like 40% or some ridiculous amount of energy. It's quite nuts how even just a little break in insulation can have a significantly negative effect. A few years after I moved into my first home - a townhouse - I added some R-16 bats to the already existing R-12 insulation in the attic and it more than cut my heating bill in half. It was a three story narrow, townhouse - not that much square footage of ceiling compared to the walls/rest of the house but it made ALL the difference. If I didn't live it, I wouldn't have believed it. And I kind of did it on a whim since I didn't need that many and Lowes was having a sale on insulation. I would have done it the first week I moved in and had a couple far more comfortable winters!
