Complete Holdings Group, Inc. 401(k) Review & Grade
Complete Holdings Group Inc., 401(k) Plan
Franklin, TNProfessional, Scientific & Technical Services858 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,123Employer $ per active participant
$2,312Employee $ saved per active participant
0.56%Direct admin cost, % of plan assets
$16.0MNet plan assets, end of year
$28,380Average balance per account
Score breakdown
- Employer generosity10.7 / 5021th percentile for employer $ per participant
- Low cost4.9 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving1.8 / 1512th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 21th |
| Lower admin cost | 20th |
| Employee saving | 12th |
| 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 Holdings Group put in about $1,123 per active participant, below the typical peer ($3,082). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.56% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $963,066 |
| Participant (employee) contributions | $1,982,615 |
| Other contributions (incl. rollovers in) | $1,309,268 |
| Administrative expenses paid from the plan | $76,689 |
| Contract administrator fees | $51,839 |
| Investment advisory & management fees | $24,850 |
| Benefits paid out | $1,352,701 |
| Net assets, start / end of year | $11.3M / $16.0M |
| Active participants, start / end of year | 896 / 819 |
| Participants with account balances | 564 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Lbmc |
Largest service providers (Schedule C)
| John Hancock USA | $51,923 reported compensation |
| Harbor Investment Advisory | $24,766 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916131251NAL0005128258001, received 2025-09-16, EIN 62-1811667, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.