The only thing thats incomplete is our knowledge of it.To say its incomplete begs the question in what way? If its energy and matter, our knowledge tells us its finite and therefore we can only have change.
If we judge completeness by its inhabitants then its far from complete.

If your universe still contains questions, it is most likely incomplete. The ignorance of particular information does not necessarily rectify incompleteness if one is satisfied without the knowledge. However, one's universe may feel very complete if they feel they have all their essentialities they want. The universe itself will probably never be complete so long as the feeling of dissatisfaction remains.

yes thats an interesting point. And xris demonstrates the complement to it.
.... we can believe that objectively, materialistically, the world is complete. And that growth and decay on the smaller scale is thus change of overall universal completeness. But the moment we consider ourselves it feels uncomfortable. Unless .... we are lucky enough to believe our own life is complete as you say. Then we can easily believe the universe is complete or incomplete, because we are happy with ignorance itself.