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Original filing (PDF)20251010115845NAL0012521808001
COMPLETE MERCHANT SOLUTIONS, LLC
Form 5500
FILING_RECEIVED
COMPLETE MERCHANT SOLUTIONS 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
110
Accounts w/ balance
187
Plan assets (EOY)
$10.0M
Net assets (EOY)
$10.0M
How this plan invests
This plan
1 pooled trust
Schedule D
26 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (18 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for COMPLETE MERCHANT SOLUTIONS, LLC.
Plan sponsor
Name
COMPLETE MERCHANT SOLUTIONS, LLC
EIN
26-2594461
Address
727 N. 1550 E. 3RD FLOOR · OREM, UT · 84097
Phone
(801) 623-4000
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
2S · Automatic enrollment
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
TRAVELLER & COMPANY LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE VANGUARD GROUP, INC. | 23-1945930 | — | NONE | $18K | — |
Investments
25 direct securities · 1 pooled fund· $9.3M(94% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$9.1M
25 holdings
Common Collective Trust
$234K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market ETF Vanguard 0 | — | — | — | $2.2M | 22.2% | |
| Vanguard Target Retirement 2045 Fund Vanguard 0 | — | — | — | $1.4M | 13.5% | |
| Vanguard Target Retirement 2050 Fund Vanguard 0 | — | — | — | $943K | 9.4% | |
| Vanguard Target Retirement 2055 Fund Vanguard 0 | — | — | — | $905K | 9.1% | |
| Fidelity 500 Index Fund Fidelity 0 | — | — | — | $855K | 8.6% | |
| Vanguard Target Retirement 2040 Fund Vanguard 0 | — | — | — | $665K | 6.7% | |
| Vanguard Target Retirement 2060 Fund Vanguard 0 | — | — | — | $595K | 6.0% | |
| Vanguard Target Retirement 2065 Fund Vanguard 0 | — | — | — | $531K | 5.3% | |
| MORLEY STABLE VALUE FUND FEE CLASS MORLEY FINANCIAL SERVICES, INC. · EIN 93-6274329 / PN 125 | Common Collective Trust | — | — | $234K | 2.3% | |
| Vanguard Target Retirement 2035 Fund Vanguard 0 | — | — | — | $227K | 2.3% | |
| Various Rates and Maturities Participant's Loan Account 0 | — | — | — | $128K | 1.3% | |
| Vanguard S&P Small-Cap 600 Index ETF Vanguard 0 | — | — | — | $104K | 1.0% | |
| Fidelity International Index Fidelity 0 | — | — | — | $104K | 1.0% | |
| Vanguard S&P Mid-Cap 400 Index ETF Vanguard 0 | — | — | — | $96K | 1.0% | |
| Vanguard Target Retirement 2025 Fund Vanguard 0 | — | — | — | $94K | 0.9% | |
| Vanguard Target Retirement 2030 Fund Vanguard 0 | — | — | — | $64K | 0.6% | |
| Carillon Eagle Mid Cap Growth R6 Carillon 0 | — | — | — | $49K | 0.5% | |
| Fidelity Total Market Index Fund Fidelity 0 921 Fidelity Mid Cap Index Fidelity 0 460 Fidelity Large Cap Growth Index Fidelity 0 | — | — | — | $43K | 0.4% | |
| Vanguard Total Bond Market ETF Vanguard 0 | — | — | — | $39K | 0.4% | |
| Vanguard Small-Cap Value Index Adm Vanguard 0 | — | — | — | $33K | 0.3% | |
| Janus Henderson Triton N Janus Henderson 0 | — | — | — | $23K | 0.2% | |
| Vanguard Target Retirement 2070 Fund Vanguard 0 | — | — | — | $18K | 0.2% | |
| Principal Real Estate Securities R5 Principal 0 | — | — | — | $13K | 0.1% | |
| PGIM Total Return Bond R6 PGIM 0 | — | — | — | $12K | 0.1% | |
| Principal Diversified Real Asset R6 Principal 0 | — | — | — | $6K | <0.1% | |
| JPMorgan Equity Income R6 JP Morgan 0 | — | — | — | $2K | <0.1% |
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