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Kaepernick has the sixth highest APY of any QB in the NFL. Only Rodgers, Ryan, Brees, Manning, and Flacco have a higher APY than him, three of those five players have won a MVP.
That's almost completely meaningless. For example, Brady's not there because of the way they reworked his deal. Kaepernick has been his team's clear QB1 for two seasons. In those two seasons, his team's gone to the NFCCG twice, and the SB once, and his coach chose him over a former #1 overall pick. He's young. He's not elite. His deal is commensurate with that.