Complete Office, LLC 401(k) Review & Grade
Complete Office 401(k) Plan and Trust
Germantown, WIRetail Trade1,238 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,101Employer $ per active participant
$4,157Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$73.9MNet plan assets, end of year
$71,778Average balance per account
Score breakdown
- Employer generosity32.9 / 5066th percentile for employer $ per participant
- Low cost23.7 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving10.2 / 1568th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 95th |
| Employee saving | 68th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Complete Office put in about $1,101 per active participant, more than the typical peer ($743). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $1,364,106 |
| Participant (employee) contributions | $5,149,006 |
| Other contributions (incl. rollovers in) | $928,803 |
| Administrative expenses paid from the plan | $15,657 |
| Investment advisory & management fees | $7,102 |
| Benefits paid out | $6,688,471 |
| Net assets, start / end of year | $64.5M / $73.9M |
| Active participants, start / end of year | 1,232 / 1,245 |
| Participants with account balances | 1,029 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $7,102 reported compensation |
| Fidelity Investments Institutional | $6,623 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015135641NAL0002405699001, received 2025-10-15, EIN 91-2197470, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.