Approached slightly differently, you don't need cols J through Y at all.
Label col Z "Max Margin", and in Z3 and copy down,
=C3/I3 - 1
... and format as Percent. That tells you how much markup you can add to col I to equal col C.
Then label col AA "Markup", and in AA3 and copy down,
=IF(Z3<10%, "Overbid", MIN(Z3, 25%))
Which declines to bid with less that 10% markup, and clamps the markup to a max of 25% (if that's what you want to do).
EDIT: Col I doesn't make sense to me. Col H is "W-2 Payroll Costs", and is a dollar amount ($1.20 throughout). Col I is col G (Hourly rate) * col H, which makes no sense if col H is a dollar amount. Know what I mean?
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