| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 N. 25TH STREET FORT DODGE, IA 50501 | AETNA HEALTH, INC. | $44K | $138 | $44K | 4.10% |
| KINGSGATE SOLUTIONS LLC3 | 130 N. 25TH STREET FORT DODGE, IA 50501 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.91% |
| KHI SOLUTIONS LLC Filed as: KHI SOLUTIONS, LLC | 130 N. 25TH STREET FORT DODGE, IA 50501 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 13.41% |
| KHI SOLUTIONS LLC3 Filed as: KHI GROUP SALES | 130 N. 25TH STREET FORT DODGE, IA 50501 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 10.37% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 160 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $59K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 259 | $15K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 259 | $20K |
| Other | HARTFORD LIFE AND ACCIDENT | 259 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.