Yes - 14K was the cost of materials for my 7.2KW system - the rest was wiring, installation, permits 5 year warranty and profit. Three guys did it in two days on the garage roof. So 42 hours install labor plus maybe 8 hours of permit/paperwork or 50 hours for $12K = 240/hour, a handsome profit.
When I looked at the bigger picture, though, the $9K tax credit, and $4K state rebate, effectively this paid for the installation - it we bought the system had an electrician and roofer to mount the panels we could have saved $7K.