Can I wear a t-shirt under my short sleeved sweater cardigan to a spring wedding?

I have a short red skirt with eye-lit white embroidery, its really cute. I paired it with a summery, short sleeved, eye-lit cardigan sweater with a single button closure at the top. I'm wearing high heeled sandals. What do I wear under the cardigan? I have a white t-shirt, is that too informal? I might be able to make a shell if I have time, but since the wedding is in two days, there is no guarantee.

it's eyelet lace by the way. I don't think a skirt, shirt and cardigan is dressy enough for a wedding. you should have 1 piece dress and use the cardigan to cover up if it gets cold later at the reception.

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