Lifeline says that their AGMs are fully charged when the charge rate drops to 0.5% of the 20hr rate. That is 500ma for a 100AH battery.
After that, float charging is optional because the battery is ready for use.
The charge Volts are 14.3 +/- temp comp and the float Volts are 13.3 +/- temp comp.
Does your charger have a battery temperature sensor(BTS) cable?
Lifeline has a handy "Table 5.1 Charging Voltage at Different Temperatures for a 12 Volt Battery".
What is your definition of full charge?
Lifeline also gives a formula for estimating time to full charge in case you don't have any Amp measuring metering:
Time to Reach Full Charge = {(DOD/100) x Rated Capacity (Ah) ÷ Rated Output of Charger (Amp)} + 2 hours.
For example, charging a 100Ah battery at 50% DOD
with a 25A charger would take:
{(50/100) x 100 ÷ 25} + 2 = 4 hours to reach full charge.
If a 10A charger is used, it would take:
{(50/100) x 100 ÷ 10} + 2 = 7 hours to reach full charge.
At DOD below 50%, a minimunm of 20A is required, otherwise a float charge procedure is needed. Don't try to charge 4x100AH at 75% DOD with less than a 80A, 14.3V Absorption charger.
If you substitute unlimited(~) as the charger rate in the formula you get 2hrs because you would instantly start Absorption, or 0+2=2.
In battery charger terminology the 14.3V translates to Absorption in the sequence Bulk-Absorption-Float.
WFCO does NOT have a proper Absorption due to the 13.6V spec.
What does your charger do?
HTH;
John