Ibn-Al Qayyim Al Jawziyyah (Rahimualaah) Said:
Level 5- The one who is negligent and wrongs his soul. He is the one who falls short of doing ablution properly, not performing prayer on time and within specified limits
Level 4- The one who gaurds his prayer upon their proper times and within the limits performs essential pillars and performs ablution with care (however his striving in achieving this is wasted-due to whispering in his prayer so he is taken away by thoughts and ideas)
Level 3- The one who gaurds his prayer within the specified times, essential pillars and performs ablution and strives to repel the whispering thoughts and ideas, he is busy struggling against his enemy shaytaan.
Level 2- The one who stands for prayer, completes and perfects its due rights and essential pillars, performs it within the specified time and his heart is engrossed in safe gaurding its rights and specified limits so that nothing is wasted from it, his concern is directed towards the establishment, its completion and its perfection as it should be, his heart is immersed in prayer and in enslavement to his lord exalted.
Level 1- Everything perfected.
Level 5- will be punished
Level 4- will be held account
Level 3- will have his sins and shortcomings expiated
Level 2- will be rewarded
Level 1- the best
Now think about which level you are on?
The minimum level you should be on is level 3