Why not pick a specific example of a $14K bike in which the vendor (Trek, Specialized, Giant, Scott, whomever) lists the individual components.
Then look up the price of each component or group-set, and write it down.
Then add up the prices of each of the individual items.
If the frame is available separately, you can add that in. Otherwise you will have to guestimate. (Maybe start with $4K for a very high-end carbon frame.) Add in that price.
Now add it a few hundred bucks for assembly.
Finally, don't forget the import taxes that agent orange imposed.